I don't understand insurance. My wife has had cancer three times and I think she knows all the doctors in Salt Lake City personally. So she tells me what to do and when to do it and I follow like a sheep.
Even with chemo and mastectomies and radiation I don't think she ever saw a bill as high as $42k.
I had the CCSVI treatment several years ago. The doctor told me in advance that the procedure would cost $10,000 if I paid up front, out of pocket. That included everything, hospital, doctor everything. But I found out the insurance would cover it so I went that route.
So did the hospital bill the insurance company $10k ? Nope they billed $38,000 and the doctor billed another $8000. That's $46,000 for something that should have cost $10,000. The insurance company told them to shove it and settled it for about half that. I owed only the deductible of $3000. But those crooks billed over 4 times what it should have cost. And you can believe that they would have made a profit at $10,000.
I used to believe all the crooks in the country went into politics. But now I know many of them go into hospital administration.
Sorry to hear about your MS dx. I wish you well.