It's not far off, BirminghamBuck. Insurance companies are going to negotiate a lower rate than you or I could get on our own. It's called economies of scale, and it's like that in every industry. If you were going to buy 1,000 Chevrolet Trucks, you'd pay less than the $45,000 they charge Joe Schmoe at the dealership. That's just reality.
No, the reality is that the provider contract that the doctor and the health insurance company agree to is what sets the price and covered services.
