Once you know the prices in your area, pick the provider(s) that have the quality you want, and negotiate price. Ask for the price that insurance companies or Medicare pays, whichever is less. You may even get a lower price if you offer to pay cash.

If you have insurance, speak with your insurer to see if you can reduce your share of the cost. A particularly strong argument is if you lower the price the insurer will be charged. For example, if the insurer would normally be charged $5,000 and you are able to get the procedure for $4,500, you can ask that the company split the savings with you.

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