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Finally, you could negotiate directly with your doctor for a better price if you can pay cash for the procedure. As noted above, when you pay cash, it frees up the doctor from having to handle the time-consuming administrative overhead required by the insurance companies. Plus, it means immediate payment instead of the doctor having to wait weeks or even months for reimbursement. Just ask your doctor how much he or she normally charges for your procedure then offer to pay cash in return for, say, a 50% discount. Your doctor may say, “no” but then come back with a counter offer. Or you may find your doctor is not willing to negotiate at all but as the old saying goes, it never hurts to ask.