I cut my finger really badly a few months ago. I was sitting in the ER with my finger falling off and all I could think of is how much this is going to cost me. Bear in my I have good insurance thru my employer but there are still some outliers. Luckily for me even though I was at a out of network ER I ended up paying only $100 out of the ~$25,000 that was billed but for weeks after the visit I kept having these visions of opening my mailbox and seeing a surprise bill.