Playing the devil's advocate for a sec here. But If you paid out of pocket and later got reimbursed by the insurance company, I think, you would have to deal wi

Playing the devil's advocate for a sec here. But If you paid out of pocket and later got reimbursed by the insurance company, I think, you would have to deal with the insurance company later. The system in the US is quite different and although broken it can be fixed by just fairer price comparison mandated by law.