If you don't a somewhat related question. My mother in law recently spend two and a half weeks in the hospital for congestive heart failure and some related liver issues. No surgery or anything like that. Just a stay with nursing care and daily visits by several different doctors. When I got the bill from the hospital the bottom line figure was something like $198,000, though her insurer, Emblem, only paid something like $13,000. Is that 198,000 a "real number"? Is it what I would have had to have paid for her stay if she didn't have insurance? I know hospital stays are expensive but even accounting for the various doctor visits 10 grand a day seems a bit much.