It's akin to going to a restaurant, eating, and getting a check where they not only bill you for the meal, but also the salt, pepper, napkin, glass of water and utensil use. Disgusting. Why bother having insurance - it covers nothing.
I had Aetna, which I was told was the 2nd worst health insurance carrier out there (the first being Harvard Pilgrim - great job, Charlie Baker). In fact, the physical therapy clinic I went to described both carriers as “scumbags” (their term, not mine).
But take comfort in that if a person floats here on a door or walks across a “virtual fence” to illegally enter the good ole USA, everything’s free! No bills for them!!!