Wait until you get a medical bill after an expensive procedure. You'll get 6 bills from a bunch of different doctors and facilities, you'll have no idea who any

Wait until you get a medical bill after an expensive procedure. You'll get 6 bills from a bunch of different doctors and facilities, you'll have no idea who any of these people are, and none of the amounts billed match up to what your insurance says is owed or was paid. They can't or won't explain what the costs were, or why some portion of it was covered or not. It'll take a whole day to reconcile everything after talking to multiple billing departments, and your insurance company. And that's why the scam they are trying to pull on you works for a lot of people. It's too much headache to deal with all of it and fight it, and usually you're still sick or recovering and won't have the mental power to deal with it, or notice that it's even a scam.