Yes you can negotiate the prices with insurance, but that means there's always a risk that insurance doesn't cover as much as you hoped for. This means every em

Yes you can negotiate the prices with insurance, but that means there's always a risk that insurance doesn't cover as much as you hoped for. This means every emergency becomes a risk assessment of estimated cost / probability of negotiation / network coverage / hassle. This is so broken. When I'm headed to the ER, I'm looking for immediate medical attention. I don't want to be shopping around for hidden hospital price estimates, verifying network coverage and deciding if I should Uber, ambulance or drive while I'm half dead. After all that we still got slapped with a $30k bill for half an hour. Cleared the HDHP deductible real fast. Thanks WEC Hospital for the wonderful hours long wait to pay you jacked up prices. When we had our first kid, we had to repeatedly call the hospital and insurance to make sure it's within network and that the midwives were going to be covered. Then we got slapped with a $15k bill because one of the nurses is outsourced and not within network. After 5 separate hour long conversations on the phone with Aetna we finally managed to get the clinic to lower the bill to $3000 which Aetna then covered. And then 10 days later I received a $15k bill payment reminder. I think the whole healthcare discussion in the US seems way too distracted with figuring out how to refactor a code base written by clowns, instead of just building a new system ground up. With 50 different states to pander to, I guess that's the logical result. Pretty glad I left the US, my mind is now cleared of lots of unnecessary baggage.