the big insurance companies negotiate them down by 90% or so. This is mostly in make sure that you don't go and get healthcare on your own. It also serves as a good way to keep some new insurance company from springing up - if you are not big enough, you can't negotiate such a discount, so you can't be profitable.
The insurance companies are all in a cartel. It would be illegal for any other business, but health insurance companies have a special exception.
There is no free market in health insurance in the USA and there has never been one, so there is no competition. Thus all the prices and profit margins are simply decided at the cartel meeting without any regard to real cost or social benefit.
Over the last couple of years I've been slowly getting paranoid. Too much reading slashdot I suppose. After flubbing a couple of job interviews because I scared my inquisitors, I had a psychology test which confirmed what I already knew: I'm prone to fits of fancy, bits of balderdash, and countless conspiracies. So I tried on a tin foil hat. Wow, my neighbors harvest organs and my wife mumbles ancient sandskrit curses to herself. Then I asked how much: $3,700. Hey, I'm unemployed. The cheapest tinfoil hat they had were $1,200 each.
I'm actually not unemployed. I work for an insurance company. Not only that, I work for a non-profit insurance company. They operate in four states as Blue Cross and Blue Shield (BCBS) plans. I've been on the host and home side which means that I have priced claims per contract with the rendering physicians (Host) and I have paid claims based on the contract that an employer has drawn up with the insurance company for their employees (Home).
Often enough lab tests (80000 cpt codes) are reduced fairly significantly in what we call in network pricing. A provider who is in network signs a contract accepting our pricing structure and in return is promoted as a BCBS provider which provides them with more patients. I've processed many a hearing aid and they do not get a significant reduction. Because of this there are exclusions that limit you to one hearing aid every three years.
I'm not sure what you're requirements are but http://www.hearaidstore.com/ appears to have cheaper models.
Ehh, whats a little green fuzz?
ewwwwwwwwwwwwwwwwww........
Fat is what gives the meat its flavor. So yes.
really? I though that was fire..
No amount of careful planning will ever replace dumb luck.