One of my hot buttons. Insurance companies pay and pay and pay, even if the brat is healthy! Once that stick turns color, the $$$ starts flowing. Prenatal visits, ultrasounds, labor and delivery costs, postnatal care for moo and brat, untold pediatrician visits...it NEVER ends. And here I, who almost NEVER goes to the doctor, can't get a referral to a specialist for a thyroid problem. Next time I think I'll say, "Gee, doc, if I were wanting to get knocked up and were having problems, would you hesitate to refer me to an endocrinologist??" Fuck!