To take your money then say no when you need healthcare.

Basically, everything is priced arbitrarily high to a comical degree because of insurance so you "need" insurance companies to "negotiate" prices (which are already set for them, there's no actual negotiations - just the goofy "retail" price and the still exploitative "insurance" price) and then if its covered the insurance pays a fraction of THAT (closer to a "normal" price) and its considered settled.

So, even if your insurance won't cover it, you need them so you get the exploitative price instead of the comical price from the provider. There's no way to pay the "normal" price unless you're an insurance company.