<prompt> Human: I started coming to this Sub once I had a real job about 3 years ago and I have found its information and insight invaluable, but most of it was about budgeting which did not offer any really tangible benefits.However, my Wife recently had a stay at a hospital which resulted in a complex financial situation. Her insurance covered her hospital stay, but the attending physician at the time was out of network. So, half of her bill around 2000 was covered by insurance and the other half around 1700 was not. I remembered reading several posts on here about medical debts and my wife and I contacted the group representing the doctor. I said that while they had charged us, they likely had charged us as if we were insured, which we technically werent. I asked if they could change the rate they charged to an uninsured rate. After waiting a few minutes, they stated that they had reduced the bill by 40.tl;dr: One phone call, one piece of insight on medical debts, 700. Thanks PF.  <response>: Stuff like this scares me a lot. I have great insurance but you cant account for a Dr not being in-network when you have an emergency. 