[cobra bill]

Jumping the gun a little there, I never took your words out of context and if you read my comment ( I wrote for those that can't afford it) and yes you are correct that if you negotiate with them it is less, recently I paid cash for my sons treatment at a hospital and I got a 60% discount for cash, that tells me that the rest is inflated to absorb the non paying customers, i.e. even insurance companies are paying an inflated price.