[brewdad]

The problem comes when insurance denies the claim for whatever reason. Now, the provider is going to try to bill you the $25,000. It's up to you to either get your insurance to cover the procedure properly or to negotiate it back down to something close to the $300 price. They won't just offer it to you after processing through insurance.

[tehwebguy]

Exactly, they don’t wanna pay it either. Plus, the negotiated rates have nothing to do with whether or not a patient bill will be “approved”.