Ah. COVID.
When the vaccine came out it was allocated in stages. Healthcare providers and the elderly were prioritized. As they should be. When it was finally available to the general public, the state released a website that helped you find the nearest pharmacy with doses. And it was guaranteed to be free.
I found one local pharmacy in a nearby village and we got our dose. They didn't ask for a copay, but did write down our insurance info. Two weeks later, we got a bill from United Health because we unknowingly used an out of network pharmacy for our 'free' shots.
Minor thing, but it's just an example of our garbage. I've never had a good experience with healthcare in the US. OK - scratch that. The time I needed stitches for a bad cut, the receptionist who was billing me whispered that "If you're any kind of 'medical professional,' you can remove them yourself and avoid another visit." Shit - I own stuff for sewing. That was good, although slightly painful advice.
Canada was wild, though. I visited a walk-in clinic for an abscess on my leg. No bill. I also visited the ER with chest pain. In both cases I felt like a criminal for leaving without giving them my credit card info.
You should see what it does to your blood.