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If you get sick & have health insurance, can you still afford to go to a hospital?

A lady complaining on the news yesterday that she went to the hospital & had a $13,000+ bill and the insurance plan only paid $3,000.
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SwampFlower · 31-35, F
The imaging and interpretations were probably done by a doctor out of her network. That has happened to me before but it is appealable under certain circumstances. In my case, I was unconscious and couldn't do the research myself to see if everything they were doing was covered.