What makes Katherine Clark with Frederick Insurance Brokers a good neighbor?What if the fastest way to lower your medical bills is to stop leading with your insurance card? We sit down with Katherine Clark of Frederick Insurance Brokers to unpack the simple, legal strategies that flip the power dynamic in your favor—without sacrificing care. Katherine’s approach is practical and repeatable: ask for self-pay pricing even if you’re insured, use price transparency laws to compare hospitals, and bring market rates from tools like MD Save to the negotiating table. She explains how to file your own claims so cash-paid services still count toward your deductible, and why calm, specific questions at the ER can turn a $39,000 estimate into a reasonable, itemized plan you actually control.We explore how a family-run brokerage partners with individuals, self-employed professionals, families, and small groups to choose the right coverage—on or off the ACA Marketplace. Katherine breaks down the real differences between plans, from deductibles and networks to formulary pitfalls, and shows how a lean monthly premium paired with smart self-pay choices can beat a pricey plan that still leaves you exposed. She also shares clear scripts for front-desk conversations, tips for comparing CPT-coded prices, and a checklist for getting diagnoses and treatment plans before you sign.Along the way, you’ll hear candid stories: a surgical quote dropped from $23,000 to around $11,000 using MD Save as a benchmark, an MRI reduced to a few hundred dollars for a high-deductible patient, and an ER visit that ended with the right care at a fraction of the initial sticker shock. If you want high-value healthcare, better coverage decisions, and fewer billing surprises, this conversation gives you the tools and the confidence to ask for what you need.Subscribe for more local stories from operators who measure what matters. If this conversation helped you rethink your healthcare choices, share it with a friend who needs it and leave a quick review so more neighbors can find smart, fair care.To learn more about Frederick Insurance Brokers go to: 🌐https://fredrickinsurancebrokers.com/Frederick Insurance Brokers 📞972-375-0507

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