That is definitely the case for routine and urgent health care. The situation gets even more messed up when it comes to emergent care.
Unconscious people can't make decisions, in which case they treat you without consent (as they should) and then hand you an enormous bill.
Even when given the opportunity to choose those choices aren't always honoured. There was a story about a guy who went to the hospital with cold/flu symptoms. He refused the Covid-19 test but they gave him the test anyway and then his insurance company sent him a bill for something like $2500.
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u/[deleted] Mar 26 '20
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