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@Jennifer @avlcharlie It's absolutely NOT pointless. If you show up needing care and have insurance, they treat you and send you a bill for the cost the insurance didn't cover later. And you ignore the bill until the statute of limitations runs out.

If you show up without insurance they ask you for cash up-front, and send you away when you don't cough it up.

Also, with insurance you're charged a halfway-real cost for treatment. Without insurance, you're charged 3-20x as much.