You don’t fully understand it. The integrated model doesn’t work if you add on fragmented parts. It works because it’s a one stop shop. If my doctor orders a test - I get it. No insurance middleman steps in and says no. It’s a huge benefit and why KP denials are a fraction of the health insurers.
Comments
Quickly "but, over there" -- both systems have COIs.
Still, I'd take them over KP's 7 days of antibiotics & be sure to live in states with external review laws.