Insurance vs Cash in MO

:confused:I checked into using a facility close to home only to find that the Dr was in my network. But the facility wasn't. When I called the facility and asked if they took my insurance I was told "sure, we work with them all the time" Then my insurance rep called and said that the facility that I wanted to use charges $68K for an over night stay not counting the Dr fees. I couldn't believe it so I called the facility back. Sure enough, $68K for the facility $22K for the Dr fee, Since I had insurance. But get this, only $17,500 if I paid cash. Let's see my Momma didn't raise me a fool. 25% of $68K would be .,.,. let's see ..... About the cash price .. But then you have the 25% of the Dr fees. What a racket!!!! Be careful & ask lots of questions and then ask again. If my insurance co hadn't of protected me I would be bankrupt..You don't find out the large fee until after the surgery thinking it would be one amount and then it is another. Buyer Beware!!