<prompt> Human: So my wife had a medical procedure back in April and we finally got the billing info after insurance, 2200! Well, that sucks I guess, but whatever thats what emergency funds are for. So when I called in to make my payment, I asked the lady if they offered any discounts for paying in full Mostly joking, and she said always, and that I could save 20 by paying everything today. Saved 440 just for asking!Im sure not every place does this, but it never hurts to ask! Just another way that having an emergency fund not only can smooth out lifes bumps, but can actually save you money! Had I not have had the money set aside to pay it in full I wouldnt have been able to take advantage of the discount.  <response>: I went to an urgent care center in network and had to pay 100 deposit when I got there and then got a bill a month later for another 150 after insurance.I called to ask them to explain the line item charges and why there was one called International Medical Examination blah blah. The phone rep. blatantly admitted they just try to bill all insurance that line item to see if they would pay it, but wouldnt make the patient pay it if insurance denied it.They wound up refunding me 15 as after the refund I actually overpaid with the initial 100 deposit.Wouldnt have happened if I didnt call up to ask, which seems to be the norm for all things medical now - question everything. 