Insurance companies have set rates that they pay out. Some companies pay out better than others. We are able to waive up to $100 of a deductible because the insurance company's usually pay at least that much above what I would charge for a cash price. Some companies will offer to pay you with incentives if you have a zero deductible and still make more then they would have charged you if you paid out of pocket. Once in a while, I will make less than I would have charged you if you paid out of pocket by waiving the deductible.