I went to the doctor back in 97. I only went one time because he was an asshole. I had insurance through my work, and paid my co-pay and all that happy crap. Before my insurance company paid the claim, they left the state and all their Arizona claims went into receivership. I made a thousand phone calls at that time to both the insurance company and the various departments the state will send you to. I just got a copy of my credit report, and guess who's on it? The doctor, for a $75 claim that was never paid. Here's the shittiest part-he's not even a doctor anymore! He handed over his license because of serious tax problems. He hasn't practiced in a few years now. But now I have to pay him $75 anyway because I need my credit cleaned up. I don't know which is more expensive- having insurance or not.