They make record profits while offering peanuts for reimbursement to the physician group, in some cases not enough to reimburse operational costs. So why would the physician group accept working for a loss? They won’t and shouldn’t. So you get stuck with a bill. The issue is your insurance company doesn’t want to pay. Try to find a better insurance company (easier said than done, I know). So many problems with healthcare in the U.S. and in my opinion, insurance companies are the biggest issue.