The services “they charge for” are capped.
The weakness in your argument is in “they”.
The solution used is to have “out-of-network” suppliers bilk the patient and then charge the “out-of-network” suppliers for the privilege of participation.
A center can also demand, collect and retain additional amounts from the unwary. Estates can be pilfered easily.
Probably a good point. An agreement should be reached that the insurance fees will be the only fees the hospital will have access to.
Of course there’s the physician’s, anesthesiologist’s fees et al too.
Insurance companies will pay those fees too.
You have to play tough.