Negotiating with Insurance?

I have a high deductible health plan and have had several minor procedures done recently (breast imaging and benign skin lesion removals.) My patient responsibility for each procedure is higher than what the cash price would be for an uninsured patient with the same provider, and the provider’s billing department has stated that they are unwilling to negotiate discounts with patients with insurance.

Is there anything else I can try to do to negotiate a lower patient responsibility or any way for me to have the procedures billed without going through my insurance so that I can access the lower cash rate? I am having trouble wrapping my head around the idea that having insurance makes my procedures more expensive and eliminates the ability to negotiate with billing, so I’m hoping that I am misunderstanding or missing something.

EDIT:

Age: 25 Zip Code: 55101 Income: ~75k

submitted by /u/too-many-questions-
[link] [comments]I have a high deductible health plan and have had several minor procedures done recently (breast imaging and benign skin lesion removals.) My patient responsibility for each procedure is higher than what the cash price would be for an uninsured patient with the same provider, and the provider’s billing department has stated that they are unwilling to negotiate discounts with patients with insurance. Is there anything else I can try to do to negotiate a lower patient responsibility or any way for me to have the procedures billed without going through my insurance so that I can access the lower cash rate? I am having trouble wrapping my head around the idea that having insurance makes my procedures more expensive and eliminates the ability to negotiate with billing, so I’m hoping that I am misunderstanding or missing something. EDIT: Age: 25 Zip Code: 55101 Income: ~75k submitted by /u/too-many-questions- [link] [comments]Read Morer/HealthInsurance

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