11. "If you think your premium dollars are going to doctors, think again."
Absolutely--at least in the mental health field, where insurance payments per service are maybe 1/2 what they were 10 years ago. Also, its much harder to get the insurance cos. to authorize needed diagnostic & treatment work. For example, they won't pay for psychological testing in many cases, because they don't want to permit serious mental health concerns to be documented. They want brief therapy and (generic) medications only.
Small clinics are closing all over the place because they can't afford to keep their doors open, leaving only the giant providers, where you get put on a waiting list, get maybe a few monthly appointments, & get maybe a generic antidepressant or anxiolytic to tide you over until you have the good grace to get off their plan.