American health care prices are a constant series of traps. If you are not careful, the insurance won't pay, or the hospital will out of network doctors or they will run tests you don't need or want. And pretty much everything is way overpriced without the patient having a realistic chance to determine the fair price. All in the pursuit of sucking more money out of you.

And it's almost impossible to avoid these traps. It's basically a gamble every time.