I use one of the "health share" providers instead of insurance. They have negotiated rates with providers but they literally instruct you not to reveal that, ge

I use one of the "health share" providers instead of insurance. They have negotiated rates with providers but they literally instruct you not to reveal that, get the cash price invoice, and then they will take care of further negotiations if applicable. Presumably getting the cash price first lets them pick which they would prefer to pay: cash price or the negotiated rate. "Oh yeah, our customer forgot to inform you they qualify for this negotiated rate."