[atmavatar]

Tragically, even having good insurance isn't a perfect guard against crushing medical debt due to the whole in-network vs. out-of-network bullshit involved.

If you have to go through a procedure of any complexity in a hospital, you may discover after the fact one or more of the doctors that were brought in were out-of-network despite the hospital being in-network, and suddenly, you're stuck with a giant bill insurance won't cover.

There's a reason some people have secondary, tertiary, and even quaternary insurance nowadays to cover things each previous providers don't.

We truly need to burn down the current system and reset to something sane.

[floor2]

Hurray I get to spread some good news today. The issue you're describing was fixed by the 2022 "No Surprises Act". See this for details: https://www.cms.gov/newsroom/fact-sheets/no-surprises-unders...