are you claiming most people don't have deductibles and copays? or no in & out of network coverage. if so I'll call BS on this. I've had instances of being bill

are you claiming most people don't have deductibles and copays? or no in & out of network coverage. if so I'll call BS on this. I've had instances of being billed from out of network provider even though I went to in-network hospital. this is such a common occurrence that John Oliver did an episode on it.