100% agreed here-- on a HDHP (the only option from my employer) and recently had a diagnostic procedure done at an ambulatory surgical facility. Paid the surg

100% agreed here-- on a HDHP (the only option from my employer) and recently had a diagnostic procedure done at an ambulatory surgical facility. Paid the surgical facility up front; later got a separate bill for two separate additional fees from the doctor and from the anesthesiologist (billed together because they're part of the same group, fortunately). And there was no way for me to tell how much any of this would cost me up front, while I was scheduling the procedure. Would it have been cheaper to have it done elsewhere? I dunno; no way to tell.