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I feel like a law should be passed saying that, for any patient with a medical networks, any out of network related charges must be signed off on; individually.

Failing that, record yourself telling the hospital staff (or get it in writing) that any out of network charges will not be payed unless expressly signed for ahead of time.

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Or maybe we can just pass a law saying everyone deserves access to healthcare and have a single payer system to avoid this bullshit

To some extent there is some legislative action (particularly at the state level) that addresses this.

The term commonly used here is “Balance Billing”, though that refers to a variety of “surprise” bills.

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