8/21/2025
2. Compare Cash Pay vs. Insurance Rates
It sounds counterintuitive, but sometimes paying cash can be cheaper than using your insurance—especially if you haven’t met your deductible.
Example: A blood test billed through insurance might cost $350, but the same test at the same lab could be $80 cash pay.
3. Use Price Transparency Tools
Hospitals and insurance companies are now required to post pricing information. Tools to try:
- Healthcare Bluebook – Estimates fair prices for services.
- GoodRx – Compares medication prices.
- Your Insurance Portal – Many insurers have cost estimator tools.
4. Ask for an Estimate in Writing
Before scheduling a test, procedure, or surgery:
- Request a good-faith estimate.
- Ask for all potential charges, including facility and provider fees.
5. Don’t Forget Independent Clinics & Labs
Hospital-owned facilities often charge more. Independent providers can offer the same service at a fraction of the cost.
Example: An MRI at a hospital might be $2,000+, while an independent imaging center could charge $500-$800.
6. Consider Telehealth
For non-emergency issues, telehealth can be faster and cheaper than in-person visits—often with lower copays.
Why PPO Coverage Gives You an Edge
With a PPO plan, you:
- Have more provider choices.
- Can compare costs across a wider network.
- May have out-of-network benefits if you find a better deal.
Final Thought: Even with insurance, you’re still a healthcare consumer. The more you shop around, the more you can save—without sacrificing quality.
Want a plan that gives you the most flexibility to shop for care? Call (716) 503-1113 for a free consultation.