It is always up to the doctors' discretion on how they will bill. For smaller, less expensive treatments and services, doctors may have you pay first and then file a claim for reimbursement. For more expensive treatments and services, doctors may bill the insurance directly. Regardless of how the billing is done, you are always required to file a claim.
For more information go to: Direct Billing or Cash Payment Upfront
Insurance rates are regulated by law. You can't find the same insurance plan for a lower price anywhere else