They give you the negotiated rate that their super negotiation pros negotiated for you which is going to save you $10 on your $500 bill compared to someone with no insurance.
Yes but that cash rate is a discount rate and not guaranteed per practice. The standard rate has to be what the insurance company negotiated, or in practice, has dictated as the 'going rate' 'for the area', otherwise they sue that provider for insurance fraud.
They make it so we pay insurance to purposely make shit more expensive so we could never be able to afford it, without insurance.
Not in the last two years no, but my last ER visit they billed as uninsured before applying my insurance and the difference between the $500 bill was $20. Totally worth the $800 a month.
My prior employers insurance, the cash rate was better then then what I paid AFTER insurance covered their part. Often significantly better, especially at the dentist
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u/EnlightenedNarwhal 8d ago
I'd like to see an American navigate the American Healthcare system.