Nope. Because with good insurance, you can have a $500K medical stay, and wind up at your max.
Mine happens to be $8K out of pocket. Which I have hit a couple of times. One year my family had $167,000 in medical costs.
I paid $8K.
For a hospital to charge you, you have to agree to accept their services.
I treat medical stuff the same as I treat car repair. And it’s almost all DIY.
Funny story from 15 years ago: My big toe was really sore and bright red. I went to my GP and told him I guess I broke my toe because it’s really sore, but I don’t remember breaking it. He took X-rays and told me it didn’t look broken but just be careful on it.
So I went home, looked up “sore red big toe” in google and within 10 minutes I found out I had gout and that black cherry juice was a great cure. I went to the store and got some and three days later my toe was fine.
I’ve done that sort of stuff a LOT since then. I don’t use doctors. I use Google, and I trust the Great Healer.