It's downright barbaric. You have a service for which you basically can't get a quote, can be collected into oblivion if you don't pay, you don't even know WHO

It's downright barbaric. You have a service for which you basically can't get a quote, can be collected into oblivion if you don't pay, you don't even know WHO will bill you (or even how many bills you'll get!), and you very well might be unconscious or in no position to make this kind of decision. Your life might be on the line! It only gets some level of sanity (though not to reasonable level) if you involve insurance companies, who have some of the information necessary and the leverage to negotiate.