Crazy to wait a year or more to get a bill, but whatever. Here's the fun part.

"That'll be $1000."

"We are cash pay. Do you have a cash-pay price?"

"That'll be $136."

Most of the time the discount is 50-90%. The worst part is that it is just a matter of time before insurance companies eliminate this option, but most of the time I pay about what a copay and/or deductible would be, and 100% goes to the doctor/hospital.