People, and companies, are paying for benefits that they rarely receive. A case in point: Acupuncture. I am a provider for three major companies, and for a host of smaller ‘providers’. Which is great, because they come to me through their directories. My negative experiences in attempting to ‘collect’ my fee up and above the co-pay, has both tainted my ability to go this route, and clarified for me one thing: Insurance Companies are perpetrating a racket.