That&#x27;s very strange. Not saying it didn&#x27;t happen to you, but to my knowledge, most medical professionals charge insured patients much LESS than insured ones, because insurance companies negotiate special rates.<p>My wife had to have an intensive surgery a few years ago. The total bill amounted to over $100,000. Insurance negotiated it down to $25,000 or so, and then paid 90% of the balance. That&#x27;s pretty typical of my experience.<p>I see no reason that you couldn&#x27;t tell the doctors that you are uninsured, negotiate it down on your own, pay the bill, and then submit it to insurance for reimbursement.