Not quite.
βhey, I would like to buy a candy bar with my membership.β
βsure, we even gave you an express ride to the club where you can eat it. here it is. Enjoy!β
βthanks. That was tasty!β
βhereβs a bill for $120,000.β
βfor what? I just wanted a tasty treat?β
βwell, the candy bar was $10,000, but the good news is that your candy bar policy covered $8,000, so you only owe us $2000 for the candy.β
βbut what about the other $118,000?!?β
βwell, the ride to the club was out of network. And the guy that unwrapped the candy was out of network. And the guy that served it to you was out of network. And you stayed for 10 minutes, at $1,000 per minute. And the milk chaser was out of network. And the tests we ran to make sure you could eat it were also out of network.β
βby the way, if you donβt pay in 10 days, weβre sending to collections. And you signed a contract agreeing that you canβt contest the reasonableness of the charges. And if you donβt pay, weβll sue you and garnish your wages.β