In america, healthcare is ridiculously expensive even with insurance. I'm still paying off my wisdom teeth removal from May and have along way to go. ugh. And my allergy test was still $660 out of pocket after insurance. And my immunotherapy for said allergies that I get the shots each week is $163 per 6 weeks of vials. Having had 5 surgeries on my nose too, ughhhhhhhhhhhhhhhhhhh.

They bill you every which way they can. Gotta have an xray? Well you'll pay the hospital, then separately pay the technician, then also a 3rd party company that "reviews" things too. Your surgery? You pay the hospital, the doctor, and the anesthesiologist all separately.

On wait times it depends on what you need done so how special are the specialist you need, where you live of course if you can get to one, and what your insurance will cover. So if your insurance wants to be a butt, you could be waiting a long while. Since the cost is so high, you can't really do without insurance to get anything done. Even a normal doctor visit could be a few hundred without it.