The absurd thing about medical debt is it often goes something like:
(1) You get an in-office procedure that your insurance would pay like $250 for.
(2) Your insurance doesn't cover it because the doctor you saw isn't in network even though the receptionist said they were when you scheduled the appointment.
(3) You get a bill from the doctor for the list price of $1,000.
(4) You don't pay it because you can't afford to and are in a Kafka-esque back-and-forth with your insurance plan trying to figure out why they didn't pay for it.
(5) Eventually the doctor's office sells the debt to a collections agency for like $10.
(6) The collections agency harasses you in hopes that you will be stupid enough or easily intimidated enough into paying the full $1,000 owed.
Except in reality if you had to pay the doctor directly with cash it would be $100-$175. These days insurance bills more than paying a medical provider or dentist directly save for a few routine maintenance/checkup things.
