Ditto Mr. Deez. Also, the companies prefer that insurers go to the doc before a minor problem becomes a huge expense. Unfortunately, people will ignore that tiny lump on that left testicle rather than pay $100 to their GP to get it checked. They go when the lump gets to golf ball size, and a $20,000 course of treatment for early stage cancer has become $150,000 for advanced. People are foolish. The insurance companies know this.