Bar;
I do not argue your scope philosophy at all. I disagree with the medical aspect.

See what a C-Section cost period. Add special circumstances that all have set prices and discounts, and there is your price.

I was floored to see at the OB-GYN they actually give you the cost of a normal or c-section. What the network discounts are and what you out of pocket costs are going to be using them. They tell you to shop around. Guess what? Prices are the same. Why? Smart shoppers and demanding network health care providers.

The next step is for the margins of place like UHC to go from a set 7% to a lot less.

On scope, we both know where each other stands on this, so I will save 30+ pages of us redefining our positions to come to the conclusion we say about the same thing.