The best part is the random bill.

• Go to the doctor. Get blood drawn.
• Doctor send the blood to a lab for the test. Doesn't tell me who. I don't care who. It's their subcontractor, let them worry about it. *Go back to the doctor or get a call for results. Pay the doctor the standard co-pay. *Months later a random company sends me a bill. This is a company that I have never interacted with or entered into any contract with, for work that somebody else (presumably my doctor, but who the fuck knows for sure) asked them to do for them, sending the results to that other person and NOT to me.

The system is broken. If any other company subcontracted a part of their work to a third party, you as the client would reasonably expect that work to be paid through the original contract, not get a bill directly from the subcontractor. I didn't hire them, the doctor hired them. As far as I'm concerned, that's the doctor's subcontractor and their debt, not mine. I paid the doctor already.

Or another variant.

• Go to the emergency room.
• Get separate bills FOR THE SAME SERVICE from the hospital, the doctor, and somehow the hospital again but this time it's the emergency room (which is somehow separate with a different billing company).

The system is not just broken. It is designed to fleece us and train us to always accept whatever debt the institutions decide to levy on us without question.

You know what else would help? Annual (or more) blood tests during routine wellness checks with your doctor.

Do you know why most people don’t get those?

Insurance won’t cover them.

My insurance covers this.