You have a PPO plan so you pay a copay. Many people have HSA, High Deductible or Catastrophic plans where they pay out of pocket until their hit their deductible. So all of these people have an incentive to shop on price. You're just choosing to pay more in premiums for the benefit of not having to worry about the costs for care.

But this tool only includes Medicare data so it doesn't apply to any of those cases we just mentioned.