I remember I once rolled my ankle playing in a league and went to the emergency room. Well I was there they handed me a clipboard with the papers to fill out with my insurance info and billing information. After they x-rayed my ankle and wrapped it up they put me in a wheelchair and wheeled me out to my car. The orderly helped me out of the wheelchair and into my car and wheeled away. I realized I was still holding the clipboard with all the info so I just drove off. They never called me and I was never billed. Now everything is done on computers before they treat you. Thats my fault I guess! I did that!
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I pay for my wife, daughter and myself more for insurance in 4 months than Cutthroat's entire emergency room bill. That's with a high deductible too. No one in my family have been to the emergency in years. So the money's been wasted. But you gotta have insurance, what if something bad happens? It is a drag because while I'm paying far more for insurance than I am for my house and car. I get nothing for it but peace of mind.
A very expensive peace at that!