<prompt> Human: So, this happened yesterday. My girlfriend had to get an MRI and the place quoted her 640 after insurance that is what we had to pay. I just asked her to inquire if paying the full amount would give us any discount any discount is good right?. The MRI place has actually told her that if she files the MRI without the insurance, it would only cost 540. When she asked them what was the point of being insured, their answer was the extra money actually goes into insurance processing and other stuff.So, are we living in a country where we are actually paying insurance companies just to be insured?  <response>: healthcare and insurance in the USA is a joke. welcome to the real world. 