<prompt> Human: About a month ago I pulledrippedtore or otherwise injured something in my shoulder pretty badly -- like cant sleep at night badly. A few weeks of RICE, stretching, etc has gotten me no where, so Im going to see a specialist sometime in the near future.The problem is that my insurance has a 9k EDIT: 7,150 deductible before it kicks in, and I know that this specialist visit alone, will probably set me back several hundred, not to mention the imaging, and physical therapy Im expecting on top.I probably make too much for any charityincome based help, but not enough to cover these expenses without tapping into savings.I realize there is probably no way to do this cheaply, but I want to make sure Im as far from getting gouged as possible.A few people have asked about the terms of my insurance -- those are here:  <response>: Insurance is still probably your best bet. They will get you their negotiated rate and after you hit 9k you should get some relief. The problem with trying to pay less via cash rates is no one can tell you what it will actually cost until all is said and done. 