Also, don't forget that you'll frequently need to deal with multiple bills, each potentially requiring separate work to resolve. If you take an ambulance to th

Also, don't forget that you'll frequently need to deal with multiple bills, each potentially requiring separate work to resolve. If you take an ambulance to the emergency department, see a doctor, they order a scan, the scan shows appendicitis, and your appendix is subsequently removed, this can easily lead to six different bills: - Ambulance - Facility - ED doctor - Radiologist - Surgeon - Anesthesiologist And that's assuming that the ED and hospital are under the same company (not always), and that no off-site labs are used. You may not have ever heard of the radiologist or anesthesiologist. I once had bill collectors calling me re: a radiologist I'd never heard of, who managed to ruin my credit for a good six months until I figured out what the bill was actually for.