I have learned the hard way to never, never self-pay when you have insurance. Last April, my husband started a new job and got new insurance, but it took a few weeks for us to be entered into the system and receive our insurance cards. So for a few weeks, I could not prove that I had insurance to doctors' offices that needed to know. And I happened to have a very expensive appointment to keep with a neurologist to do nerve testing. When I say very expensive, I mean it: $4,000. And of course, the doctors' office insisted that I pay up front for everything because they could not verify that I had insurance.