Have the providers buy insurance to cover those rare 10x cases and add that insurance fee to the cost of the procedure. The patient gets an "out the door" pric

Have the providers buy insurance to cover those rare 10x cases and add that insurance fee to the cost of the procedure. The patient gets an "out the door" price and those most qualified (doctors and insurance companies) can argue about the actual cost. Even if the costs ended up exactly the same, the patient would not be stressed by the "surprise" bills and out-of-network nonsense.