I read it fine. You are saying that somebody with a broken wrist, but can pay with cash, will pay 5 to 8 times what the hospital will bill the insurance company of another patient?
I'm just not buying it.
Insurance companies work deal with hospitals, providers, laboratories, dme providers to pay a contract price for goods, and services.
Normally the patient has co pays also they are responsible for. Most of the physicians out wherein live want co pay at time of service, or they can just not find an appointment for you.
My step sone injured his wrist, it was in a cast for like 6 weeks. He Needed the cast off, and his employer would not let him return to work without a release from the doctor saying he could go back to work.
If I recall his copayment was sixty bucks, to see the doctor, remove the case, a
Get the work release. He did not have the $60.00 so his golf clubs went to a pawn shop for about two weeks. Think it cost him $75.00 to get the club out of hock.
Point is he took responsibility for his problem, and he had medical insurance from that employer.
Hospitals, and Physicians will go after you for non payment, if your have a job, vehicle, own a home, they will get a judgement in court. When you don't pay the judgement. They will get what is called a writ of execution, and come after your paycheck, vehicle, or other assets.
Plus you will be looking at attorney fees, court costs, collection fees, interest, etc. added to the initial judgement.
If you have no regular job, live in your car, have no money in the bank, they can't get much from you.