Another option is to just let it go to insurance, and if they fully reject it, then call the place and tell them the insurance wont cover anything - then you'll

Another option is to just let it go to insurance, and if they fully reject it, then call the place and tell them the insurance wont cover anything - then you'll get heavy discounts (usually they just feel bad and remove codes and what not). Unless you had gone to a corporate place, of course, which they all tend to be now.