<p>Desp, your experience and that of your friends sounds great but it is certainly not representative of the aprox. 20 or so physicians I have dealt with (speaking medical dealings, not friends or neighbors) in the last few years regarding my own medical issues plus that of elderly parents. Every single one has had occasion to describe a medical procedure or treatment plan which was likely to yield a better outcome but the hassle with the insurance company rendered the course of action moot. These were not always prescriptions and the MD's themselves were involved personally (not their staff or receptionists) to the tune of several hours a day.</p>
<p>My own OB/GYN who is definitely old school and runs a medical practice like those of the 1950's has recently given up obstetrics, much to his regret and that of his patients. The combination of his malpractice rates and the continuing involvment/hassling of the HMO's made delivering babies a lose/lose proposition. Even the decision to put a pregnant mother of twins on bedrest caused a firestorm when a med review board determined that "she could stick it out" another few weeks despite some cervical complications.</p>
<p>I envy you and your friends but I do not believe your experience is representative of most medical specialties. My mother's neurologist would love to know where you live so she could move there.</p>