ɪf bˈɪlz ɑːɹ pˈeɪd ˌʌndɚɹ ˌɛfˌɛfˈɛs baɪ ɐ θˈɜːd pˈɑːɹɾi, pˈeɪʃənts ɐlˈɔŋ wɪð dˈɑːktɚz hæv nˈoʊ ɪnsˈɛntɪv tə kənsˈɪdɚ ðə kˈɔst ʌv tɹˈiːtmənt.
If bills are paid under FFS by a third party, patients (along with doctors) have no incentive to consider the cost of treatment.