I get both health and dental insurance through my work, but I'm still very seldom in using it to avoid any issues that follow. It's over-inflation, and it's a practice I feel is more associated with con mans rather than doctors. In the event you simply use a room they still charge you thousands. A room that may, or should be only around 400 or so. Your insurance seeing it's not "life-threatening" will either not pay, or pay very little to at least fulfill the 400. The rest is unnecessary, and why it's conning more than assisting. Once it's settled, and you can't pay it they can do whatever they want for as long as it takes. Some even taking life times. I've really grown to resent it. They look for paper work, not patients. Just note the next time you enter a hospital. See what they ask first.