[emodendroket]

As far as your provider is concerned, whether your insurance should pay or not isn't really their problem. I have never been somewhere that did not make me sign a form saying that I agreed to be responsible for whatever my insurance did not pay.

[subway]

Most providers understand the shit-show that is insurance, and will drastically adjust their behavior and prices based on who is paying.

[emodendroket]

Maybe, but that doesn't help if it goes to collections like the parent part describes.