Yeah our system has good and bad points. OTOH, my SO had brain surgery with 48 hours of his initial complaint from a prominent surgeon and it cost him $2500. He got an MRI within 2 hours of walking into a doctors office.
It is bad for preventative and non life threatening issues. If one of those tests came back with an issue, not only would I be paying for meds, I'd be paying even for more for the insurance that doesn't cover the meds.