DH recently had a series of medical tests which I thought were going to be covered by insurance with an amount greater than they were so we were faced with an unexpected medical bill. We have an emergency fund and could just pay off the entire bill at once, but it's always preferable not to take from it. Yesterday I decided to call the hospital and ask if we could work out some kind of payment plan and right off the bat the billing agent said that they offer a discount to customers paying their bills and the % is based upon the total amount due. Right away she took off 15% of the total and then advised we could pay off our bill over 6 equal monthly payments with no interest!! This made the bill much more manageable so we don't have to take from our emergency fund. It never hurts to ask!!