Seems odd that a lot of Americans are so caught up with paying insurance companies to get medical care and dental care. Why not just save the money and use it for actually paying for the cheap medical and affordable dental work that you need. . .Are there any other groups other than OPtumhealth.com (medical) or <a href="http://www.healthsouk.com">healthsouk.com</a>  (dental, dentistry) that provides an opportunity for people to pay their doctor directly?