I've also heard the opposite being true - being charged more because you're insured and the rate negotiated. If this is coming out of pocket on a high deductib

I've also heard the opposite being true - being charged more because you're insured and the rate negotiated. If this is coming out of pocket on a high deductible plan it's insane. One place I see this continually is Rx drug coverage. For some generics it's cheaper for me to pretend I don't have coverage (totally legit and legal).