Health insurance doesn't work that way. Surprisingly, healthcare costs a lot more when you have health insurance than when you don't.
Years ago we chose to pay out of pocket for our family's healthcare costs instead of paying for insurance through my employer. On the rare occasion that we had to visit a provider for something unexpected, the costs were always reasonable for self-pay customers.
Once President Osama mandated health insurance for all, we got onboard... and I was shocked at how much more expensive these occasional unexpected visits became.
A bit of googling and I found that I wasn't alone (and not just since the insurance mandate). Many people had learned long before me that healthcare service are billed exorbitantly higher for customers with health insurance.
There might be some psychology involved in healthcare provider's decisions to do that (e.g. cash pay customers might pay you $300 if you bill them for it, but might pay you nothing if you bill them $6k), but it's still unsettling to me.
No exaggeration, some insured people get billed 10-20x the amount of a cash pay customer. And I'm not talking about the amount covered by insurance... I'm talking the out of pocket cost for the insured patient. It's outrageous.