This isn't entirely true and varies from state to state and hospital to hospital. We had a trip to the hospital last year (non-ambulance, but was an actual em

This isn't entirely true and varies from state to state and hospital to hospital. We had a trip to the hospital last year (non-ambulance, but was an actual emergency). Prior to checking out, we refused to sign anything from the hospital itself until checkout time. (quick sidebar, I've never seen anything as sleazy as an administrator trying to get someone who's heavily sedated and mediated but hasn't been fully diagnosed yet (triage and stabilization only) to sign paperwork related to billing and insurance, and then to authorize a room change to long term and the to an overnight room...all before they even knew what was going on). At checkout time, they had no insurance info...if we had no insurance, they would consolidate the fees from all groups (contracted doctors, anasthesiologists, equipment use, medications, etc.) and waive 2/3 of it and set up a payment plan (non-loan style, so no interest, or fees). This total was lower than if we used insurance and paid what was remaining on the deductible for the year and happened late enough that we wouldn't have benefited from using the insurance. I have no idea if it was attitude, handling it like business, persistence or just how they do business, but it greatly impressed me.