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And the more you dig into it, the worse it gets. That price discrepancy exists at the provider level too.
And it gets worse.
This video is a nice little primer about how the insurer might not even pay that $300 they agreed to, how that let's them profit further on the treatment while creating financial pressure on healthcare providers, and how your Dr may end up being owned by the insurer, further reducing the ability of a new co-op to compete.
Everything with "middle men" is like that.
Numbers get inflated then discounted.
It's why it's present at every step of capitalism, at every step someone takes a cut, so the price is inflated, then "discounted" to what consumers are willing to pay which is still an insane profit margin.