Did you get a bill after the fact? You could call them up and negotiate. If you have two insurance plans, then it's mostly talking with a particular office/sect

Did you get a bill after the fact? You could call them up and negotiate. If you have two insurance plans, then it's mostly talking with a particular office/section that deals with coordination of benefits. Until my family members and I individually ended up switching to insurance with nice low flat rates for services, I used to negotiate everything from office visits to ER bills. Before service if you can (especially for elective/outpatient type things), otherwise they really like cash in full. They tend to prefer working outside of insurance too, since it means more money for them even if they're halving your bill. I'm sure there are services, and occasionally you'll find more tips on places like reddit (/r/frugal comes to mind). I have no immediate suggestions for how to do this in a time of crisis - it mostly depends on someone that knows you well giving enough of a shit, and when they'll try to bill you for services. :( Why this is a thing is beyond me, but while it's the case...