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@fedward @20002ist
In 2008 spouse had a detached retina requiring an immediate vitrectomy. It was three weeks after he quit Apple, which was in this fucked window during which his Apple insurance was gone, but he couldn't yet buy COBRA (had to wait six weeks)

Knowing he'd be reimbursed, he told the hospital he'd pay cash

Lol. They had NO CLUE how to charge him. There were separate payments for surgeon, anaesthesiologist, hospital stay, etc and they had no idea about any of their own pricing