Insurance is just so random. I was terrified of what my bill would be for my cancer treatment: radiation, cardiology appointments, psychologist appointments, ADT, etc. and my out of pocket was $1,000. Just a couple years ago I sliced the tip of my finger off and went to the ER for stitches, which a NURSE did, and the bill was $3,500 out of pocket. $2,000 of that was for a hand surgeon which, I assume, was the doctor who popped his head in the door and said "is everything alright in here?" I challenged that part of the bill and they dropped it.