Earlier quoted context omitted.
Insurance companies negotiate a lot of this stuff away. The poster needs to call them first, see if they can arrange a $5 payment without addition interest while the itemized bill comes in (honestly, there is legal ground here for not even being willing to honor any of the bill with itemization). Get on the phone, try to keep cool, but realize you're probably going to yell at some poor customer service rep at some po…
The trouble is that in an emergency or urgent situation, you can’t really shop around for service. “I’m having a heart attack, but can we try the hospital in the next town over? Their cardiologist is cheaper.” Bike service is a leisurely afternoon; emergency medical care is not. It shouldn’t cost that much in the first place. You shouldn’t need to shop around for health care, and you shouldn’t be bankrupted by an eme…
You answered your own question. They’re too fat, lazy, and sick to get up and walk 5 feet, let alone march in the street.