I agree that our healthcare system is messed up but the insurance company paid for 95% of her bill. Seems like she got her money's worth from the insurance company.
Isn’t this kind of like TJ Maxx or Ross labeling clothes at insane “retail” prices so you feel like you got a good deal when you saved 95% but still spent $50?
Because their profits are limited as a percentage of revenue (aka "they must spend x% of their revenue on patient care"), and thus there's a huge incentive for prices to go up across the board to increase their dollar amounts that don't have to be spent on patient care.