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You go into a hospital and say 'my insurance is paying for this'. You get costs that are 2-10x what they should be plus whatever other procedure they can think of that seems legit.
Actually, this is backwards. In almost all cases I've seen, the insurance company has a "negociated rate" which is much lower than what I would pay on my own. Looking at my bills I see, for example, that the insurance company has negociated a rate several hundred dollars less than what I'd pay for a blood test. Scan your EOBs and look for contract adjustments to see what I mean. It pretty crazy when you think about it since it means those least likely to afford the care (folks who are w/o employer provided insurance) will pay the highest rates.