While almost everyone knows that our health care system in the United States is broken, I just got the explanation of benefits for our flu shots. We paid $0 out of pocket for the shots. I went to CVS Pharmacy, my wife and son went to a flu clinic at their medical group. Insurance paid $20 for my shot, $90.05 for my wife’s shot and $81.74 for my son’s shot. The insurance plan basically overpaid $130 for flu shots for my family. The insurance plans need to find a way to bring costs down and maybe one of the ways is to tell us EXACTLY where to get certain services or give us some financial incentive to go a cheaper route. I’m not sure CVS does flu shots for kids, but for my wife it would have been cheaper for them.