I had an MRI last week. Cost me €35. Though if you miss the appointment, or fail to pick up the results, the penalty is €215. Me...doctor...hospital. No other

I had an MRI last week. Cost me €35. Though if you miss the appointment, or fail to pick up the results, the penalty is €215. Me...doctor...hospital. No other parties involved. Especially not an insurance company - but those do exist, if you wish. What, indeed, have you constructed in the US?