I was in an accident and the insurance is offering me a $15k settlement. They said this amount includes both my medical bills and pain/suffering. My medical bills total about $12,484 (Hospital: $8,330 + $50 + $1564; PT: + $1,740 + $800). Aetna which was my health insurance already paid their portion. I first want to know if I will have to pay them back? The insurance company is paying the full $15k directly to me, not to the hospital. My question is: If I take the $15k and then pay the hospital myself in one lump sum, can I legally ask the hospital for a discount or “prompt pay” reduction on the $9,944 bill? or can I ask for financial assistance from from them? I’m not trying to double collect — I just want to know if hospitals normally offer discounts when someone pays in full. I’m not trying to hide anything or commit fraud. I just want to understand my options before I accept the settlement. Any advice or experience would help. submitted by /u/jkkmi-qr [link] [comments]