If someone allegedly marks "no insurance" when they allegedly do have insurance, is that wrong or illegal?

I have this super cool friend who allegedly marked "no insurance" when he left the hospital after breaking his face (allegedly, he was extremely tired and in pain). He allegedly had 2 X-rays and stitches. He was allegedly billed $40 total for the X-rays and $15 for stitches. (Allegedly happening at a university hospital). He allegedly does learn his lesson.

However, the alleged friend wants to get PrEP. Because he's allegedly still living with his parents, it's gotta be discreet and as cheap as possible. There are sites that allegedly offer free testing and scrips with an option to put insurance in. He allegedly wants to mark "no insurance" for at least a very small fee, perhaps even free.

Is this alleged action wrong, fraud, or illegal for him to knowingly do? He allegedly lives in MO and is 22. (He's really the smartest, funniest, most handsome and caring guy ever fr)

submitted by /u/SloppiestDingus
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