Go to almost any business for a product or service, and you can expect to be told what it will cost you, or at least to get a plausible estimate. The big exception is medicine. You’re never told what anything will cost. If you press your provider, the best you’ll get is a spread of a couple of orders of magnitude. People sometimes get hit with huge charges that they weren’t prepared for.

I recently experienced a bit of this. My medical provider billed me for $630 for a routine blood test as part of an annual physical. This came as a complete surprise. I called the billing department, and the man who took my call said that I should have been billed only for the copay, with insurance covering the rest. He filed an inquiry on it, which he said might take a couple of weeks to process. This left a big question open: Do blood tests by my provider routinely cost over $600? That’s a lot, regardless of whether I’m paying for it or Medicare is. Since he was working for billing, he wasn’t able to answer that question.
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