[jopsen]

Insurance won't cover everything... Sometimes there'll be an experimental thing that the insurance doesn't cover.

I tried this, when I lived in the US, even though it was a planned test nobody could give me a quote on what it would cost.

I had great insurance that covered everything. People next to me in the waiting room was paying extra fees to rent the facilities and stuff... Yet, even for a planned procedure neither my doctor or my insurance company would give me a quote or promise that the procedure was covered.

You can't know what the bill will be even for a planned procedure. Even if you ask 3-5 different entities multiple times.