The so-called self-pay price for services, or the price a patient without insurance is asked to pay, can be lower than the price negotiated by insurance companies—and sometimes even lower than a copay, too
Some health care providers’ cash or self-pay discounts are cheaper than what you’d pay using your insurance. People with high deductibles are finding it’s better to pay their bills with cash or card than let billing departments send it to their insurance
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