[riceart]

> Like I shouldn't be billed extra if my surgeon is hungover and things don't go smoothly.

That’s what you think is the common root cause of complications?

You clearly are not interested in a productive discussion.

As for a fee for unpredictable occurrences - that’s what insurance is.

[maxerickson]

If the amount to bill the patient's insurance is determined after the complication, it's not an unpredictable risk, it's a fact. If it can't be predicted, then it more or less exists for each procedure, but that isn't reflected in the cost, the patient that has the bad experience gets charged extra for it.

[riceart]

Insurance exists to cover losses from unexpected events. Medical complications are unexpected events.

Your hungover surgeon is a bullshit strawman - most complications have nothing to do with provider malice or incompetence. Again since that seems to be the angle you are starting with you clearly have no interest in a grown up discussion or too ignorant and also full of hubris to understand any of this (which fits in perfectly well on this site).

If you throw a massive clot after a surgery and stroke out who’s fault was that if all the standard protocols for clot prevention were followed. Maybe you’re a smoker (or not) and 5 years later that unknown cancer will finally declare itself.

> more or less exists for each procedure

This is extremely misleading as it does not exist in any meaningful level of risk across the entire patient population.