Why should the insured get a discount at all? Or do you mean their insurance would cover 70 percent of the cost? It is a common practice to charge less to insurance companies than patients. I had a friend with a high deductible who used to have everything billed through his insurance company - because it was cheaper that way even though he paid the whole thing while below his deductible. This amounts to screwing the uninsured people who need a price break the most. It's seriously unjust.