This. I had a great doc until a few years back. Best doc I've ever had by a long ways. He'd spend a good amount of time with you, actually listen to your concerns and even bring up recent papers he'd seen on topics related to my health issues. A few years ago he decided to mostly get out of doctoring because he was tired of dealing with insurance companies. For a while he went to a retainer model ($2K/year up front, $250/visit) and cut the number of patients he was seeing down significantly. I can't say as I blame him.