>> As someone from the EU, this reads like dystopian fiction. As someone living in the US (thankfully well insured and decently paid), I can confirm dystopian

>> As someone from the EU, this reads like dystopian fiction. As someone living in the US (thankfully well insured and decently paid), I can confirm dystopian reality. Everything works well 97% of the time, until you have something that falls out of the confines of the giant decision tree -- and then things go really wrong. I used to think everything was well until we had a difficult pregnancy/delivery. In such cases, there are professionals who's service is bill reconciliation!