John Q. thinks he's covered by insurance, but no: His company switched to a new HMO that has a $20,000 ceiling, and since John has been downsized to 20 hours a week, he's lucky to have that much coverage. Payne demands a $75,000 down payment on the $250,000 operation, and explains the harsh realities of life for "cash patients." John Q. considers taking the kid to County Hospital, but is urged by a friendly hospital employee to stay right there at the ominously named Crisis of Hope Memorial Hospital.
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John Q. berpikir ia ditutupi oleh asuransi, tetapi tidak: perusahaannya beralih ke HMO baru yang telah $20,000 langit-langit, dan karena Yohanes telah dirampingkan 20 jam seminggu, dia beruntung memiliki cakupan yang banyak. Payne menuntut $75.000 uang muka pada operasi $250.000, dan menjelaskan realitas kehidupan keras untuk "uang tunai pasien." John Q. menganggap mengambil anak untuk County Hospital, tetapi didesak oleh karyawan rumah sakit yang ramah untuk menginap di sana di krisis menakutkan bernama harapan Memorial Hospital.
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