LPT: if you have a medical bill over $100, before paying online or mailing it in, try calling the billing department to see if they will offer a discount.

Last year I had a large-ish medical bill (about $4k). I ignored it for a month or so. A woman from the billing department contacted me to collect payment and offered me a 10% discount. She also told me any time I had a bill over $100 to call her extension and she would apply the 10% discount every time. It has saved me about 600 bucks over the last year.