You're not wrong but this is a sign of a very broken system and the people least able to deal with it on even footing are people who may be in extreme pain or delirious from their injury.

The US healthcare system is immoral.

It’s immoral and the broken complexity is by design.

Unraveled messes not to be fixed lest the profits disappear

Fair point.

In this case, though, the error was a transcription error in the birthdate. That caused a mess.

How rough! Sorry man.

Ask who? When?

Your health insurance policy provider, as soon as you get an EOB.