No, they mark it down as $69,000 and then show the "insurance negotiated" rate underneath. They do this regardless of whether or not you are paying out on of pocket. If you are uninsured they do the same thing but the discount is for "self pay" or whatever. It just seems kind of stupid but most people just see the insurance rate that applies to them when they are paying out of pocket in the deductible range. It's propaganda/manipulation.