> I believe that they generally charge the max and then, maybe, negotiate the price based on your ability to pay (more likely they put you on a payment plan).

> I believe that they generally charge the max and then, maybe, negotiate the price based on your ability to pay (more likely they put you on a payment plan). This is exactly how it works. Charge the max given the procedure, circumstance and insurance coverage. Let the consumer fight it out with our massively understaffed customer service department. Then, send it to collections anyway.