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As an aside, regarding USA health care public policy, I think provider-issued bills need to be abolished, where the only bill that insured patients receive is a single, consolidated bill that comes from the insurance company, at the same time the EOB is sent, with plentiful payment and financing options.
Not only does this reduce patient confusion, it saves money for providers (who don't need to follow-up on late payments), it reduces the need for providers to issue refunds, and patients benefit because it's a single bill at the end. The only downside -- maybe -- is that forgiveness of a medical expense must file paperwork with the insurance company, to be reflected on the consolidated bill. But this would still be a massive improvement.
Or, instead, maybe just go the full shilling and have a national, single-payer, universal health care system. Baby steps or big leaps; take your pick.