Re insurance: I got super lucky. The closest hospital, which the EMTs strongly recommended I go to, was within my network. Only a $200 deductible. And except for them having trouble getting my name correct on the paperwork and stickers, they seemed pretty competent and efficient.
And speaking of stiffing an ER, I have done that once after realizing that they were completely predatory about rounding up customers (they used to be an ‘urgent care’ facility, which in Texas are usually very inexpensive to go to, and had minimally changed their signage indicating that it was an ER, which is a legal ticket to charge a hell of a lot more, including access to billing Medicare/Medicaid).
And they ridiculously over billed me for about 10 minutes of just talking with the doctor and a minimal examination of my back, which I had throw out and knew how to treat (muscle relaxants, which he gave me a prescription). I paid an immediate $100 upon leaving, and later got a bill for an addition $1400.
I almost paid it, but thought “Screw it! They cheated me!” So I ignored it. Then about a year later, they lowered the remainder to about $250, which I actually tried to pay online, but for some reason, their system wouldn’t accept the payment, so I said “Fuck ‘em!” again. A year later, I received an offer from a collection agency to settle for about $140, then about a year later one offering a 40% discount off that bill. Here’s how I responded to both of those offers:
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