Yes. And honestly it makes a lot of sense. The main point of those "we can charge you whatever forms" is because they often don't know off hand what their deal

Yes. And honestly it makes a lot of sense. The main point of those "we can charge you whatever forms" is because they often don't know off hand what their deal is with your specific insurance company and furthermore they don't necessarily know which people involved are in which network, etc. yet they just want to make sure that you are left holding the bag when the final bill comes due. But if there is no insurance company involved, they only need to decide what they will charge you and it's done. In that case, the open-ended contract is entirely unnecessary.