The problem with our healthcare system is surreal. You don't know if your covered and even if you are the insurance company has a team of lawyers ready to fight to not pay. And the hospital and doctors don't tell you whether whatever you need is covered or how much it costs. I wouldn't go into a Ferrari dealership and sign up to buy a $250k car I know I cant afford. I'd have to have my credit approved anyhow....but at a hospital, you could lose everything you have without even knowing.