This has been true for ever. If you pay in cash at time of service it is always cheaper. Now the reason.While I am at it. I visited the doctor today for a check up. A office visit is 80 dollars more if you have insurance vs no insurance. When I asked why they said they offer a discount for people without insurance. Not sure how that is legal but it is. I said “isn’t the purpose of paying for insurance to reduce your cost when you do go to the doctor”. The reply was “if you meet your deductible then you will save some money”. Conclusion: if you have insurance you pay not only for the insurance but you also get charged more. If you meet your deductible then you can take a discount off of a falsely inflated price to lower it closer to what it would have been without insurance. The only time you might theoretically win is if you were very sick. However, medical bills can’t be used against you so just let them pile up until you die. This crap is so broken it’s not even possible to understand how it got this way anymore.
When you go to the doctors office and you look into an office with ten people sitting there not having anything to do with patient care, did you ever wonder what they where doing? Well they are filling out insurance forms making sure all the t are crossed and the i dotted. because the insurance company will not pay a claim if something is not done correctly. Then they have to correct code for the care the patient received, if it is wrong they will not get paid. It ost a lot to have ten people on the books, so they charge more for the insurance claims. If you walk in and pay with CC or cash they give you a discount because the ten people don't have to do anything to get your part of the money.
There I hope that makes sense.