Yes, the uncertainty is by far the worst part. I personally won't seek medical help unless I am completely sure I have a problem I can't handle myself (which will likely get me killed eventually, but at least my family will be able to pay for the funeral). A large part of that is not having any way to pre-budget the cost. If I don't know for sure I have a problem I can't deal with, I could go through thousands of dollars worth of testing only to find that it's acid reflux. And at that point the reflux would become worse because I'll develop ulcers just thinking of the debt.