so that would be embedded in the $1K I might actually pay them (I will try to negotiate it down), not in the $3.5K-$6K various presentations are representing as an insurance benefit, right? 1/

from a user benefit perspective, it's kind of insult to injury. after fake benefits, the price patients pay is padded to help cover indigents. a good cause, for sure! 2/

but i'm not sure my pneumonia is why i should make a contribution (as opposed to say all of us sharing the burden via tax dollars), and that's not a payment or benefit paid by insurers, at least not until the deductible is met. /fin