And, what you say is true about over use. The other part of the equation is the vast difference in charges for the same procedure. Some health care providers charge ten times as much as others for the same thing. The reason they get by with it is that the customer (patient) isn't paying and often doesn't eve know the true costs. If a grocery store tried to sell a steak for $50 that another was selling for $5, it wouldn't be in business very long.