> Further, the next step after figuring out the cost of getting options would then e getting a quote for the actual resulting medical care recommends is opaque due to differing payment %s & co-pays by procedure, etc.

There’s nothing more quintessentially American than “not knowing how much you are going to pay for something until you owe it.” You go for a hospital visit and nobody has even a remote, order-of-magnitude idea of what you are going to pay. But you have to sign a doc right away that says “you agree to pay whatever number we eventually come up with!” And then you slowly get dozens of bills from individual doctors and hospital workers over the next 4 months. It’s absurd.