I agree that it's not a big issue, but it's certainly something I would like to see addressed. If I'm paying for protection from crushing costs by buying insurance, then I would hope that would protect me from any cost associated with lifesaving actions that would bankrupt me, and have tools to ensure the less urgent stuff is going to be covered.

Of course sometime to comes down to people making medical coding issues on a bill. I've been dealing with that for 6 months now.