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The discounts that you negotiate merely mean that you only pay the provider about 20 cents on the dollar and they accept it because it is guaranteed. Then the provider wants 100% of the insured's "share". I want to negotiate a discount like that! Those that are uninsured get no discount because you F___s take money from the insured and pay pennies on the dollar in return. The uninsured are the ones who deserve the discount. Shame on you and the providers that play this despicable game.