4. Why the U.S. health care system is considered complex

Answer 1

Evidentally you haven't been involved in the health care system.

You go to a doctor, Dr. A.
Before you see Dr. A, a medical records clerk scans your insurance card and completes the necessary paper work.
Dr. A examines you.
Dr. A's nurse draws blood and sends it Lab X to be tested.
Lab X reports come back.
Dr. A refers you to another doctor, Dr. B.
Dr. B's office personnel the clerk does the paper work.
Dr. B examines you and refers you to Lab Y and Lab Z for further tests.

I think you get the picture. It goes on and on.