Originally Posted by pb4uski
FWIW the 20% I mentioned getting regularly from our local hospital is 20% off the insurance company negotiated rate, not the rack rate.
We had a small bill come in while we were away on vacation. The hospital's rack rate for the test was $216 and negotiated discount was $49 so the bill the hospital sent was for $167. A $17 discount for a 2 minute call - sweet! I called the hospital billing office and asked if they still offered an additional discount for immediate payment. The CSR asked for the reference number, looked up the bill and offered me a 10% discount. I put it on my Discover card and got an additional 2%.
I think for larger bills they will offer a bigger discount.