March 17, 2009 
Sure, most of us with employer sponsored care haven’t dealt with this but providers (MD, hospitals, labs) have been negotiating with plans for years. With over $34B in uncompensated care in 2007 (a number which will certainly go up), your physician would rather get something than nothing. Talk to them like a professional (not a used car dealer) and see if they can give you a break on the costs. This article in Patient Money provides some additional thoughts.
Another good article in this area is “Advice To The Jobless On Getting Health Coverage“.
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