So I went to a hospital the other day and was told I have a de-deductible of $3,000. I am not sure how much my insurance paid (if anything). At some point I have to talk to the hospital about payment and I want to talk them down to accept a lower amount. I do have some savings to offer, but I would like to get them to agree to take that amount and write off the rest rather than just admit I have that safety net and still have payments.

If it helps the discussion my insurance is supposed to be “managed”. Which means that I call them and they then tell me where I can go and not have to pay anything out of pocket. It just happened that I had been having some pretty bad stomach issues I was hoping would go away. I then realized I had spend just under 2 days like this, but it was memorial day so their number was closed and any small clinic, so I went to the ER worried my appendix was bursting or something serious was happening to me.