An editorial in the New York Times points out that the company used to estimate the cost of medical visits, estimates that are in turn used to determine the reimbursement of out-of-network benefits, is OWNED by one of the largest insurers in the US. So, both the "estimators" and the insurers obviously have a vested interest in low-balling estimates, keeping profits high, and fudging the numbers, if necessary. It's the same old corporate love story. Does it really surprise us anymore? Will a Democratic administration make an effort to clean these things up? At least Cuomo is trying.