There is no choice involved.

So you think that it’s my right to have YOU pay for MY health care? No. Health care is neither a right nor a privilege. It is a responsibility, and more to the point, it is a PERSONAL responsibility. “Decency” doesn’t enter into it. If Joe doesn’t have insurance, it is NOT my responsibility to ensure that his healthcare gets paid for, and it is NOT his right to have me pay for it, and the reverse naturally applies.

And I WORK in insurance. Any provider worth their salt, medical or insurance, will work with you in the above situation, given the obvious inability of an emergency patient to inquire after the network status of said doctor. Not to mention that I need an entire shaker of salt to read anything from NPR, notoriously UNobjective as they are.