And if you can't work due to your injury and are one of the many Americans who does not have paid time off, the best case for you is using FMLA to at least retain your job so you can work - but your absence won't be paid. Hopefully your emergency fund is higher than the American median of $2000.
No idea I never saw any medical bill, I just pay my 100€ a month. I also pay about 50% income tax and 21% on just about anything I buy.