It works that way for 'out of network' facilities and doctors, and there are higher deductibles and lower limits on payouts for those as the insurance copany has no fiscal control.
The negotiations happen for 'in network' systems, and it's in the hospital's interests to be 'in network' for as many insurance companies as possible, as most people choose 'in network' care providers.
The negotiations happen for 'in network' systems, and it's in the hospital's interests to be 'in network' for as many insurance companies as possible, as most people choose 'in network' care providers.