Honestly, I don't have any problem with this, and I see it as a great thing. 95% of the time when I go to the doctor it's something routine and basic, e.g. I just need someone to diagnose my cold/flu/infection etc.

My question, though, is where are all the "savings" going if so many visits are now seen by lower paid professionals? I was referred to a sleep study, where a PA or nurse practitioner just proceeded to ask me some basic questions from a form to see if I qualified for the study. She added practically nothing to the process (literally she was just reading questions from a form) and then charged my insurance company $200 for 15 minutes of her time. The whole thing was insane. That visit should have cost $20 max, yet people are lining their pockets at every step.