yes they are..
sure the ER can treat you for a broken foot, but it can't and won't give you the PT you may need after wards.. for that, you're on your own..
it can treat your sore throat, but can't treat you for throat cancer..for that you need insurance or cash..
last I heard you couldn't get mammograms at the ER either..
how about lab work... BP meds.. wisdom tooth extraction... or any number of other things.. that you will be denied unless you have 1. insurance or 2. cash up front.. If you live in other countries you aren't denied these things.. but here? oh yes you are.
not too mention getting denied treatment because your insurance companies has a fiduciary responsibility to make a profit and can only do so by denying your medical claims..
They may be required to treat you but they will bill you for the treatment, as I learned from a family member. And, they charge you more than they charge the insurance company. You can then negotiate a payment plan, which is still more than the insurance company would pay, or you just don't pay at all, you get dunned by collection agencies and your credit rating goes to hell.
