@lifeisfinite if you plan to pay your own way in the future including not using insurance, I highly suggest that you try to negotiate a cash discount but you would most likely have to pay as you go. It isn’t unusual for a physician/therapist/hospital to reduce the cost in order not to have to mess with billing insurance, then patient and possibly working out a payment plan. It is more time for them and costs them more. Negotiating a cash discount is worth a try.