<prompt> Human: Hey all - Ive been doing a lot of searching on Reddit for previous threads in this general vein, and have come across quite a bit for uninsured patients with astronomical hospital bills, but none for patients with insurance.My bill is not up in the triple, or even double, digits of the thousands. However, between the hospital bill itself, the three separate physician bills, and the radiology bill that I will receive regarding my 20-hour hospital stay, I know that it is going to be more than I am able to handle at the moment.The problem is this - I am single and well above the federal poverty line. I have insurance that has already covered its 70. Do I have any other options here? The threads Ive read so far all say to haggle. But what does that consist of exactly? I would imagine that getting hold of an itemized bill would be the first step - but what then? Do I take it back to my insurance to see if they will cover more? I wont have any luck with the charity application, as I am well above the federal poverty cutoff. I dont have reduced income from missing work - I just burned through my time off. Does anyone have any tips or a more exact formula for haggling a bill when you already have insurance and the financial aidcharity app is not an option?Thanks so much in advance. I am also crossposting to rFrugal to see if there is any different perspective.  <response>: You dont haggle with the insurance, you haggle with the hospital. A lot of the time, they are willing to take a lesser amount a long as you call and speak with them. 