I am in the USA, and my cheap ass insurance covered the sleep study in full.
CPAP machine, however, is upon deductible, so I have postponed it upon I'll have spent the deductible on something like CT.
Why? If going to a doctor is free for you, you know that.
Doctor are not free to me, I pay taxes.
What I was trying to say, your example is an USA problem, most people do not have to decide if seeing a doctor is a financial decision. So your case is not universal, and should be mentioned.