I have plenty of issues with how our healthcare system works, but the emergency medicine side REALLY drives me nuts. I had a bad allergic reaction to a bee sting while out riding, and was like "do I have time to call my insurance company to ask which ER I should go to?" while a friend drove me to the hospital. Ultimately I went to the closest (Dover, do not recommend) and wound up with a ton of out of network charges. As usual, several of those were related to people who perhaps poked their head in to see what was going on, and others were people that I have no recollection of existing at all.
After the fact, I looked up this situation, and there is a somewhat recent NJ state law covering those situations:
Aha! I contacted my insurance company, certain that this was my ticket out of the $2k (or whatever it was) bill and their response was "You have a federal plan so it doesn't have to adhere to NJ state law". I still have no clue how that works, but after multiple days of investigating I gave up and paid. I also disputed it with the hospital. The person that I talked to agreed with my position on the state law, but after a dozen rounds of calling, being told that it was still being investigated, again gave up. You win, healthcare system.