He could have, he’d just get stuck with the entire bill. Eventually he and his dad were stuck with either $50,000 or $100k + bill.
Yea bro, if you get hpv and it makes itself known (I say that because most will never know they had it and cleared it) you’re better off getting warts cause they are benign. Luckily penile cancer is pretty rare, like fewer than 20,000 cases per year in the US, but if you have an unexplained cut, blister etc especially on or near the glans go regardless of insurance, the big clinics have financial assistance and will do payment plans. Back when I had to stay in the hospital for 2 weeks and got fired because of that I was approved for financial assistance, I had insurance but I still had to pay $5k.