Kaiser took me in an ambulance for a four hour ride when I broke my ankle and got surgery that night. I paid $250 out of pocket, total.

But they wouldn't give me an MRI for my knee pain from the same injury.

So I switched to PPO (best plan I could get, anthem 250) which also denied my MRI.

Then I went to the ER for a back spasm, got muscle relaxants, $10k bill. Negotiated to $1k.

Healthcare in general in the US is a nightmare.