When you go to a store to shop, you expect to make your buying choices based on the features, the quality, and the price that's going to work for you and your family. There's no way you would leave the store with something you don't want, having no idea of its cost.
But, in effect, that's what happened to Tim Regan. He had covid symptoms, so he went to ER to get a covid test. Somehow the hospital made different decisions . . and Tim left with random unrelated tests done on him but without the covid test he needed.
Then he got a bill in the mail for $3200. His insurance would not cover what was actually done at the hospital, but would have covered a covid test if he had gotten it. What??
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