Think about this one...I decided to do an ultrasound 12/16, instead of waiting until Jan. 1. My wife was picking up the health care starting 1/1/23, and I knew it was a PPO with $0 deductible and $20 or $40 copay. So I knew the ultrasound would have been $40. But I went ahead with 12/16 knowing I had not met my deductible, I was at zero. A major factor weighing on my mind was scheduling, AND, we had not officially gotten anything about the 2023 plan yet (we would the following Tuesday).
So I get a bill for $2700, $1,200 after insurance (insurance pays nothing, that's the agreed rate).
Many out there incl my buddy shops for these services and knows ahead of time what it costs. I had assumed $250 or so, really. Not $1,200. So I'm not even near 60 or 70 and that was a major I don't know because I don't use healthcare that much. I learned a valuable lesson.
p.s. I'm on a monthly plan at $203/mo for 6 months