but you have to pay the full amount anyway and go through insurance because you have a deductible that needs to be met because your annual physical isn't supposed to happen until November when you get time off around Thanksgiving but you don't want to have to pay the full non-insured price of this and not count it to your deductible when you KNOW that you'll have to pay the full cost of that primary care visit and your 45-year-old colonoscopy coming up and everything is terrible.