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I had a friend who needed a CT head, chest and abdomen. The insurance company decided she could have the head and abdomen, but not the chest, and couldn't really explain why when asked. American health care is a joke.
I recently went in because I had a thunderclap headache, thought it was about to die from a brain aneurysm. No insurance. They did 1 CT scan and billed me for a Head CT, Neck CT and a Cervical Spine CT, each costing over $3K. After months of calling their billing department I ended up having to setup a payment plan before they sent it to collections. Not a single person in the billing department, up to and including the head of billing, could tell me the difference between a neck CT and a cervical spine CT. Still on the hook for over $11K. Probably going to have to file for bankruptcy soon. My life is effectively over.
Your life isn't over. Discharge the debt through bankruptcy and move on. I honestly mean no offense, but if you were already uninsured and an 11K debt would effectively end your life, you're not going to be much further back than where you were before bankruptcy. Maybe even a little ahead.
Bankruptcy isn't just for rich people and corporations, although it sure is treated that way sometimes. Do it now, don't keep letting debt holders guilt you into "bootstrapping" it. They're just squeezing as much money out of you as possible while they can.
There's no difference. Holy fuck I'm sorry.
"Because I said so."