In my case, an appointment with my GP was billed at $200. My insurance negotiated a discount of... $10. Based on this, my expectation is that this will only get

In my case, an appointment with my GP was billed at $200. My insurance negotiated a discount of... $10. Based on this, my expectation is that this will only get worse with more expensive bills. I suppose it varies by plan and provider? Regardless, dealing with medical bills is indeed a nightmare in the US. I am not looking forward to doing this all with children in the mix.