You claim a 90% reduction is possible, then your example is a 99% reduction? You're wrong either way. I've seen some bills my insurer pays around 2% of what is

You claim a 90% reduction is possible, then your example is a 99% reduction? You're wrong either way. I've seen some bills my insurer pays around 2% of what is billed, but not most things. Hospitals will ofter sue, and they are aggressive about judgements. If you can pay something, they will take more.