Do insurance companies negotiate lower prices before you hit your deductible?

Hi everyone, quick question. I can only afford insurance plans with high deductibles, thus I would pay the full cost of seeing a specialist. I was wondering what exactly full cost means. Since I have a insurance company, is the full cost any less than what an uninsured person would pay for a particular procedure, or is it the same? In other words, does the insurance company negotiate a price and pass that cost on to me, or would I just pay whatever an uninsured person would pay?

https://ift.tt/eA8V8J Submitted December 08, 2021 at 09:30AM by DerelictDingus https://ift.tt/3dsHwV1