"What other industry has so much secrecy behind it's pricing?"
Great point by you and flogingsully. Back in the day (early 80s) a company I worked for was giving up providing total heath benefits for managers and went with a system of partial coverage and "flex" benefits (ie-you could trade in a vacation week for a better health package). We had a regional managers' meeting with one of the insurance company's representatives and I asked how we could find out what were "reasonable and customary" (they loved that phrase) prices for various procedures. My goodness, you'd have thought that I had asked for the keys to the vatican. It was also clear that he had never been asked that question before. The negative impression I got about health insurance companies, then, hasn't diminished---it's only grown.
I think I'll start challenging posts on here as to whether they are reasonable and customary.