While I agree with the essence of what you are saying. I want to say, if you have insurance the “bill” might be hundreds, but my share might only be 20 usd, if anything at all. If my “bill” was thousands, I might see my share be a couple hundred usd at most. It is possible for it to be far less then a couple hundred.
The other thing people don’t mention is, if I honestly can’t pay my share. I can walk into the billing office at the clinic /hospital and explain I honestly can’t afford my share. The hospital will bill the insurance what they can, then look for extra funding. Most hospitals have a charity fund. It is based on my income. If I am broke and make crap wages, my share might be reduced to 0 usd.
Should we have a better system? Yes, but many times there are real options out there.
I basically agree with what you are saying, just to clarify, it isn’t asking multiple times or explaining multiple times. The one time I had to ask for help, I talked to one person. They looked and said, don’t worry about the bill.
But yeah we do need a better system.