<prompt> Human: Im uninsured and recently went to the emergency room for chest pains, because regular doctor specifically said if its a chest pain I have to go to er. It ended up being absolutely nothing wrong. Now, the hospital bills are starting to roll in. This most recent one already has a 50 discount applied due to uninsured. We called and talked to someone, they said thats the standard discount applied. Question: Whats the best way to negotiate these bills down, without negatively impacting my credit?Assistant: Go in person. Explain your personal situation and be ready to discuss what you actually CAN pay. Its incredibly easy to say oh you already have the standard discount applied to an email or over the phone, particularly since the person dealing with phonesemail most likely isnt the person with the power to make such modifications. Its a lot harder saying no to a person coming forward showing a desire to pay something. Good luck! Ive had medical procedures without insurance and know how tough it is to get it settled.Human: I can actually pay the whole thing, it would just deplete a chunk of my savings account. Me trying to get a discount probably more stems from feeling that the actual pricing is utterly ridiculous for the services provided. As of right now, its over 3,000 for something that I felt I didnt need to go to the ER in the first place for. This literally should have been a 200 doctors visit.  <response>: Thats why you should get insurance then. 