Be careful. I did this exact thing with my first child, but they billed my insurance company for the 35% they discounted, anyway. After something like 50 phone

Be careful. I did this exact thing with my first child, but they billed my insurance company for the 35% they discounted, anyway. After something like 50 phone calls and hours and hours on the phone with people who said they would "take care of it", I finally got taken to collections and ended up paying it to avoid damaging my credit.