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They are both at fault while consumers sit in a giant pile of crap. Most consumers cannot afford either their health insurance premiums and/or the costs associated with health care while insurance companies and hospitals (you know, our Not For Profit hospitals who do not pay property taxes) make millions and millions of dollars and build multi-million dollar mega-hospitals. So, let them fight this out and watch the consumer get screwed in the end. Shameful!!
I’m not sure that you can check into a hospital using any other route than the emergency room.