See this great, multipart series from the Toledo Blade; from part one, a survey of doctors:

• Ninety-five percent of respondents said insurers interfered with decisions about prescriptions, 91 percent with testing, 74 percent with referrals, and 69 percent with hospitalization decisions.

• Eighty-six percent said interference compromised patient care, 76 percent said it adversely affected their patients, and 65 percent said they were unable to successfully protest denials.

• Seventy percent noted they experience interference at least once a week, with 92 percent answering that interference increased during the past five years.

• Fourteen percent believed interference from an insurer had contributed to the death or serious injury of a patient.

So, if you're insured, that still doesn't mean you're safe, because the insurance companies have taken your medical care out of your doctor's hands.