[throw1234651234]

Because to some people $500 is a lot and doctor visits are often useless. "See a doctor" is default advice, but it can be very expensive advice.

[yohannparis]

This a USA healthcare problem, and you should flag it as such.

[irlib]

I am in the USA, and my cheap ass insurance covered the sleep study in full.

CPAP machine, however, is upon deductible, so I have postponed it upon I'll have spent the deductible on something like CT.

[kortilla]

Why? If going to a doctor is free for you, you know that.

[yohannparis]

Doctor are not free to me, I pay taxes. What I was trying to say, your example is an USA problem, most people do not have to decide if seeing a doctor is a financial decision. So your case is not universal, and should be mentioned.