[URSpider94]

That's very strange. Not saying it didn't happen to you, but to my knowledge, most medical professionals charge insured patients much LESS than insured ones, because insurance companies negotiate special rates.

My wife had to have an intensive surgery a few years ago. The total bill amounted to over $100,000. Insurance negotiated it down to $25,000 or so, and then paid 90% of the balance. That's pretty typical of my experience.

I see no reason that you couldn't tell the doctors that you are uninsured, negotiate it down on your own, pay the bill, and then submit it to insurance for reimbursement.

[jessaustin]

There are definitely clinics that give cash patients a 50% discount; I've been to several. The reason is obvious: they get real money rather than a several-month back-and-forth with various unhelpful assholes at an insurance company. That's why the prices are so high to start with. I think that if such a provider isn't careful it can get into trouble with its PPOs, because their contracts require that they get the "best" prices. However, it seems that if a provider is careful it can just say that it has a discount for the uninsured poor.

[wfunction]

> give cash patients a 50% discount

> That's why the prices are so high to start with.

I feel like health insurance prices are too high by a factor noticeably larger than 2 though.