This. I had to get an MRI done to diagnose severe stenosis in my neck. I had to wait 3 excruciating months for the appointment, I had lost almost all ability to care for myself, couldn't walk, couldn't use my left hand due to the muscle spasms. I go to the hospital the day of my appointment, the desk clerk says

"sign this for that says you'll agree to pay if insurance denies the procedure"

"Ok, I have insurance and (in hindsight) I'm going to die if I don't get emergency surgery soon, insurance should cover that right (signs)?"

"Sure"

2 months later...

Hospital "Insurance denied your claim because we didn't bother to submit a pre-auth, you owe us $6500."

"Ok I can't pay that, can I pay a little while I try to work with insurance"

"Sure, go ahead and agree to this 60 month payment plan, it's only $100/mo"

"Ok, I'll do that for now while I try to negotiate with everyone"

Bank that now owns my debt and cannot be negotiated with: "No negotiations, we own $6500 in debt, we want $6500"