You may contact your providers' administration office and inquire whether they accept the particular insurance PPO plan or if they directly bill for the desired services.
Typically, providers will bill you if the service or procedure you received was small and relatively inexpensive. However, if the procedure was expensive, they will usually bill the insurance company directly.
For more information, see: Direct Billing or Upfront Payment?
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else