Mostly they don't really know. Or they don't know if you have insurance anyway because it's so all over the place with what gets covered and what that specific

Mostly they don't really know. Or they don't know if you have insurance anyway because it's so all over the place with what gets covered and what that specific Healthcare provider has negotiated. Maybe they have some actuaries who could actually tell you what a close approximation would be but that info never really filters down to folks in the call centers or at a front desk. I have worked on the supply side, the insurance side and currently the provider side and it is all messed up. Across the board it's just a travesty of inefficiencies and opaque rules. There just isn't a real way to shop around with our current system even though proponents of the system love to say that's what we all should be doing.