Recently my allergy doctor suggested a vapor treatment for my pollen-driven tightened chest. I said okay. It never occurred to me to ask how much does the treatment cost because I won't get a bill. The charge will merely be an object of curiosity when the insurance company sends me an explanation of benefits they paid. If the insurer is required to pay – no questions asked – for tests and treatments, our profit-making health care eco-system is going to prescribe more at a higher cost each. That leads directly to rising insurance premiums. If I had to pay the bill for that treatment, I would have asked more questions about the cost and efficacy.