You can likely get labs and imaging for significantly less by going to specific stand alone lab/imaging facilities. Health care groups tend to refer you to ons

You can likely get labs and imaging for significantly less by going to specific stand alone lab/imaging facilities. Health care groups tend to refer you to onsite services and/or specific companies they have relationships with. It is a pain though because you have to call around to get prices. Generally, the places with the lowest cash prices will also be the places that are least expensive after you've reached your deductible, but it's good to confirm with your insurance. Medicare's fee schedule is almost always lower than what you can get, even with all cash, because the US government can set the rates they pay to some degree. It's up to doctor's/medical groups if they'll accept that or just stop taking Medicare completely.