I once needed an MRI, insurance company couldn't work out a deal before my appointment. MRI company offered to do the job if I paid up front and handled reimbursement myself. Costs up front were $500, compared to $1250 if the insurance company would pay after the procedure. Mind = blown.
Whatever happened to efficient markets? And why doesn't this kind of behaviour get fixed by the courts, it sounds like a lot of the players are in collusion to keep the prices high.