The title can be interpreted in two ways.

It could be interpreted as the cost to the end payer (either patient or insurance). In this case, it's clickbait, because it doesn't represent what the patients pay, but still, it causes a stir, because readers will think that it does (as a matter of fact, some comments make this assumption).

It could be otherwise interpreted as the cost to the patients. In this case, since only a fraction of the users pay the whole bill, and the rest pays a fraction of the bill, the average is far below the full bill. For this reason, this is also a case of clickbait.

“served bills” is not the same thing as “costs” when it comes to processing uninsured claims. The headline is clickbait.

It is not clickbait, it does cost that much in medical bills, and 85% of people will have their insurance cover a part of that.

It's clickbait if the headline implies that the person pays 100% of the cost. The title should read, in your way of saying it, "Medical Bills Are $3500, but Most Pay $500 and Insurance Covers the Rest for 85% of Women."