If there weren't so many dishonest people in the world that would be the truly fair way to do it. One of my jobs many moons ago was to question the validity of health insurance charges while working for a major insurance company. Simple sleuthing usually like when we got a bill from a surgeon for say an appendectomy that was twice or three times as much as everyone else in the area. Surgical complications are supposed to be coded differently in order to account for that but many times the billing party didn't code correctly. That was usually easy to clarify by getting and reading of the op report itself. They had sent me to school to be able to do that. But more and more often the answer became "that's what I charge". No problem for me as our policies covered "reasonable and customary charges" so we covered the usual cost and told the policyholder they owed the balance to the doctor. How to win friends and influence people! My office was in San Diego so they frequently had me going down to TJ and thereabouts to sniff out more sinister claims which was sometimes a bit scary and sometimes resulted in discovering groups of doctors charging for entirely fictitious procedures. Fast forward to last June. Our health coverage was through my wife's company for retirees, a major oil company. Excellent coverage with a max out of pocket $2000/ yr. per person with a $200 deductible. Gold plan that had a $324/ month premium for both of us. We suddenly got a notice that the premium would increase to $1183/ month in January with a further rise this April of an undetermined amount, but again expected to be substantial. I was finally able to talk with someone who knew the scoop and, off the record, she told me the number of fraudulent claims being received from retirees living overseas had mushroomed in the last couple of years and was going to result in everyone paying a lot more so they decided to hit the ones who were the biggest cause with the raise. She explained, which I totally understood, that investigating suspicious claims that come from the US are easier and much cheaper to do. I had to agree, been there done that.Once the bad guys figure out who has the money they figure out how to get it. Remember they asked Eddie Sutton why he robbed banks and he replied because that's where the money is. So we did what we had to do and are now relearning what it's like to deal with American doctors who want to run every test known to man, not for us but to cover their a** for their malpractice insurance. Too bad there aren't more doctors here like mine in San Diego, Dr. Don Wilson. He had a sign in his office, framed in the waiting room that read "I do not have malpractice insurance and everything I own is in my wife's name." Great doc and very reasonable fees.