Yes but I spoke to a parent who said that in many cases and situations, they are required to purchase more than what insurance covers.
Nobody cares about what insurance companies pay. Like you said, they have professional negotiators on their side. But cash patients, people without insurance, or people required to buy more than what their insurance covers, do need the help.
I recently had a hospital bill where they forgot to bill my insurance. They automatically gave me a 40% discount, before I even asked them. That's not to say that the price doesn't matter, but that no one should actually pay MSRP for medical care regardless of insurance.
Nobody cares about what insurance companies pay. Like you said, they have professional negotiators on their side. But cash patients, people without insurance, or people required to buy more than what their insurance covers, do need the help.