Insurance (noun)
a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium.
When I say never settle for the first bill from a doctor or hospital (especially a hospital), I mean it.
As of now, a bill under $500 will not impact your credit and Biden is trying to get rid of medical debt (seeing as how there shouldn’t be such a thing) from impacting credit period. So ALWAYS negotiate.
I had an outstanding bill for over $1k from the academic medical center where I get care and I settled it for $500. Which is a lot more than they would have received if I didn’t have a $6k deductible (between what insurance paid out and a co-pay).
If you ever need help, please reach out.
This is a great book
Two Faces of MS 