Re:Thoughts on Insurance
by eli on Thursday June 29, 2017 @01:37PM
(#14665192)
The bill shows they asked for $X, but the doctor already has a negotiated agreement with the insurance company that says they will accept $Y for the service.
Additionally, if you inform the office you are paying the bill yourself (without insurance) they usually give you a discounted price somewhere between $X and $Y.
In other words, almost nobody is paying the list price of $X. It's not really a meaningful number.
(And, as others have pointed out, the weak US dental insurance market means that actually dentists are pretty up-front about pricing in my experience.)
Additionally, if you inform the office you are paying the bill yourself (without insurance) they usually give you a discounted price somewhere between $X and $Y.
In other words, almost nobody is paying the list price of $X. It's not really a meaningful number.
(And, as others have pointed out, the weak US dental insurance market means that actually dentists are pretty up-front about pricing in my experience.)