TUCSON  Seconds after gunfire erupted outside a supermarket here last month, Randy Gardner, one of those struck during the barrage, said another potential crisis immediately entered his mind.

“I wondered, ‘How much is this going to cost me?’ ” he said. “It was a thought that went through my head right away.”

Tucson’s medical system quickly swung into action after the shootings, with ambulances and medical helicopters rushing victims to hospitals where trauma specialists awaited them. The life-saving treatment the victims received over the ensuing days carried a heavy cost, though, and the bills  the costliest of which may be in the hundreds of thousands of dollars for Representative Gabrielle Giffords  are still being tallied.

But despite the fears of some victims, it does not appear that the shooting will ruin anyone financially. Interviews with victims as well as advocates assisting them suggest that most, if not all, of the 13 people wounded that morning had health insurance, and health care providers say they expect insurance companies to cover the bulk of the medical costs.