That wasn’t the reason. I went to the ER with no insurance. While I was lying in a bed between visits from the doctor a woman came in and wanted payment for the

That wasn’t the reason. I went to the ER with no insurance. While I was lying in a bed between visits from the doctor a woman came in and wanted payment for the ER. I asked in no uncertain language if it covered my ER visit and explained I knew the doctor would charge me separately. She said yes, so I paid. I went home. The doctor billed me. I paid. The X-ray tech billed me (a surprisingly small amount). I paid. The hospital never billed me. Then the collections calls started.