If you are on a high deductible plan or an HSA (Health Savings Account) plan you may be able to save big by paying Cash for your healthcare services.
Next time you visit your doctor or dentist ask them what kind of discount you can get for paying cash on the spot. Remember, they might knock off 3% or more if you choose your debit card rather than your credit card.
If you are really savvy visit some of the great clinics that provide online price sheets like ZoomCare and use the published prices to negotiate deeper discounts.
You should always ask that you get at least a comparable discount to the insurance company when they negotiate the network rates.
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