<prompt> Human: Im trying to get a standard test done.I called the hospital. They said that they just bill my insurance with hyper inflated prices and have no idea how much I will actually pay or what the negotiated rate is.I called my insurance and they said that they cant tell me the negotiated rate or the price I would pay until they get a claimbill from the hospital.I have a high deductible plan. How do I figure out how much a procedure costs before having it done?  <response>: I assume they told you what test you are having done. If not you need to ask and while you are at it ask what procedure code it is billed with. Or if you know the name google procedure name cpt code.Once you know the name and the code you have several resources.1. FAIRHealth Consumer they publish what are know as UC rates Usual and Customary. This will give a rough benchmark for what will be charged.2. Healthcare Bluebook this is a service similar to FAIRHealth with a little easier to use interface.3. Check to see if your health insurance website or employer portal if your employer is self insured utilizes Castlight or some other medical cost estimator product. The nice thing about this is it should have the standard insurance negotiated rates loaded into it so you can get a good idea what price you will see after insurance discount.4. Medicare Fee Schedule download the Medicare fee schedule, if you can find the procedure here you can usually estimate insurance rates as 1.5 to 2.5 times the Medicare rate. Now this can very wildly depending on where your state network and how exotic vs standard the procedure is.5. Work Comp Fee Schedule, assuming your state has a work comp fee schedule all but six do you can look up the procedure you are getting and typically this would represent something of a cost ceiling on the negotiated rate. Most of the time commercial insurance policies reimburse the providers less than the work comp fee schedule. 