Ouch!

I have a dream of one day walking into the doctor's office and when they ask for my insurance, I slap a wad of 50's on the counter and say, in my best Clint Eastwood voice: "THIS is my insurance! Any questions, punk?"

If I had the $1500/month my employer probably shells our for insurance, I'd be in great shape. As it is, they would only credit you a measly $100 for opting out.

My other dream is to have a lawyer draw up a contract that goes something like this:

"You, as my healthcare provider, are responsible for submitting claims to my insurance correctly. If you fail to do so, I will be happy to assist you in rectifying the situation. My rate for this service is $150/hr with a 3 hour minimum payable by money order in advance. The scope of this service is solely to facilitate a conference call between your billing office and my insurance company, since your employees are incapable of picking up a phone and dialing it unless it is to harass me."