And it's nigh impossible to find out how much the "oil change" is going to cost in the first place.
My last runaround with a hospital system
"So what's the bill gonna be?"
"I don't know, we have to submit it to your insurance"
"But I don't HAVE insurance, so what's the cash price, here, today, now, so I can pay it?"
"I don't know, we have to submit it to your insurance"
AAARRRGGGGGHHHHHH. Kind of like "We have to pass it to find out what's in it", hmm?