Even if you have good health insurance, hospitals "in your network" have a scam whereby doctors not in your network treat you -- and you're on the hook for megabucks.

It should be flatly illegal to do this.

https://www.npr.org/sections/health-shots/2023/01/30/1151778684/a-baby-spent-36-days-at-an-in-network-hospital-why-did-her-parents-get-a-huge-bi