If the cost is $4,000 it is almost below the level that insurance is even necessary (if you're on a high-deductible plan with an HSA, you'd be out-of-pocket for it). That's less than the cost of a 10 year old car.
If it's $40,000 yeah -- still that's on par with the cost of an ER visit for a traumatic injury and a couple of days as an in-patient, exactly the sort of thing you have insurance for.
If it's $40,000 yeah -- still that's on par with the cost of an ER visit for a traumatic injury and a couple of days as an in-patient, exactly the sort of thing you have insurance for.