@sc_griffith whoever said you should be grateful?

React however you want. I really don't care how you feel about insurance.

But when you form that opinion, it seems to me you should at least be factually informed about the situation, and consider that you'll be paying either way.

The only difference is whether you involve the insurance company as a middleman or not, involving them in your business and having them tack a charge on top as a processing fee.