How Do You Get The Best Deal From Your Provider?

Ever been quoted a medical price that made your stomach drop? We walk through the exact steps to turn a scary number into a fair one, from how to ask for self-pay pricing to using price transparency tools that anchor negotiations with real market data. Along the way, we share a jaw-dropping story: a $23,000 surgery slashed to $11,000 within minutes—no magic, just preparation and the right words.

We break down the small choices that drive big savings. First, language matters: saying “I’m self-pay” opens doors to simpler, lower pricing you can put on a card or HSA. Next, we show how MD Save and Healthcare Blue Book reveal local and national averages for common procedures, so you can compare apples to apples before you book. Facility choice is the biggest swing factor, so we challenge the default to hospitals when a modern ambulatory surgery center can be a fraction of the cost without compromising safety. We also get practical about network realities: ask your surgeon where they hold privileges, confirm every clinician is in network, and don’t let a system keep you captive when there are better options.

We dig into billing landmines and how to avoid them. Direct labs to the approved facility listed on your insurance card instead of letting in-office draws inflate your bill. Read your Explanation of Benefits line by line, confirm network discounts, and push back on surprise add-ons—especially when you have a copay plan. If something looks off, call while you’re still at the desk; refunds and corrected claims are possible when you cite the policy and the price. The throughline is ownership: clear questions, documented quotes, and a calm but firm stance turn the system from a black box into a set of choices you can control.

Ready to pay less for better care? Follow, rate, and share the show, and tell us the biggest bill you’ve successfully challenged. Your story can help someone else save real money.

To learn more about Fredrick Insurance Brokers visit:
https://www.FredrickInsuranceBrokers.com
Fredrick Insurance Brokers
Dallas-Fort Worth, Texas
972-375-0507