<prompt> Human: I had to take a 1-mile ambulance ride. Billed amount was 1227 flat rate pf 1200 27 of mileage. The ambulance was a municipal EMS of a large city in the US. My insurance United covered 70 above a 1000 deductible, so Im left with a 1068 tab. I have already called the insurance and they said they can do nothing about it. I called the EMS and they mentioned a payment plan and the financial hardship option, they did not mention a reduction in the billed amount. I dont think I qualify for the hardship, I have a decent job and salary. However, the 1k bill represents months of savings and thats really hard to accept when your have a good insurance. A few questions: 1 - What are my options to reduce the billed amount? 2 - What is typically the due date? 3 - What will happen if I dont pay and it goes into collection? Thank you.  <response>: What are my options to reduce the billed amount?Call and ask if they will reduce it.What is typically the due date?A month or two, but you should ask.What will happen if I dont pay and it goes into collection?It will stay on your credit report for 7 years. Bills in collections are not good for your credit. 