watch what happens to that bill when you tell them you are going to pay out of pocket instead of using insurance. suddenly, everything has a different price.
I've heard this before and so I tried it, but unfortunately it was not true in my case. They didn't seem to give a crap about that. In one case they actually told me "you should run it through insurance so you get their negotiated price. otherwise it will a lot more expensive"
https://www.aarp.org/money/credit-loans-debt/info-2019/dispu...