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Just went through the same thing with my wife. Went to the doctor who said she needed a test at the hospital. Went to the hospital and they had us wait for 4 hours and then a doctor from the hospital looked at the note from the other doctor and said to go ahead and have the test run. She had the test done. The doctor charged us over $1000. The test was $4800 (after insurance). Hospital sent us another bill for other stuff. Total bill was well over $6k after insurance. For a test we could have scheduled, no emergency.
When I called the insurance carrier, they said that the treatment wasn't covered because it was Emergency Room. When we called the doctor and asked why he sent us to ER for a test that our insurance wouldn't cover (they SHOULD know), and was not an emergency, got the run around about needing the test done. Switched doctors. All in all, I agree with Mike about the new US healthcare system. Simply designed to make poor people poorer and middle class poor. The alternative IS to do it yourself, or just avoid doctors altogether, but we still HAVE to pay for ever more expensive insurance, whether we use it, need it or even want it...
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