The answer is simple, EVERYONE who obtains medical services should consult a medical bill advocate.
This is why.
90% of all medical bills are inflated or padded and contain inaccurate information.
If your uninsured you need a medical bill advocate. Hospitals inflate or pad their charges 3000% or more depending on the hospital and may only offer a 20% discount to the
uninsured.
If you are responsible for co-insurance you're over paying.
If you have Medicare and a supplemental policy you should have no out of pocket expenses.