Not sure how standard.

When my dad hand cancer and no insurance he would go to 3-4 hospitals to get quotes for a given procedure and the price (back then) might range from $8,000-$40,000 for the exact same procedure at different locations.

I had an in law who was actually a prominent med school dean, I kid you not, this guy went to the Philippines for foot surgery as a medical tourist, too save money for a procedure that was needed made his life better but was insurance rejected.

I have one other data point related to me I’m not willing to share. But all I say is shop around and get multiple opinions and options.

grok is living in la-la land…

Just my two data points. DYOR.

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I understand, reputable hospitals don't do that but the bad ones like you say charge $30 a band-aid.

What I don't get is, people spend most of their lives trying to find a trusty mechanic when their cars break down but when it is their body, they go to the closest strip mall or hospital.

I am SUPER happy to pay, completely out of pocket $1500 a month but I do drive a 2007 Truck with 230,000 miles on it and rusty and the other car has dents.

Also, I paid 6 figures when my wife was sick, a ton of bills, but she's alive, best care.

You have to prioritize but to your point, be smart.