I'll try to keep this short: A few weeks ago, I pulled a tendon in my wrist and was prescribed a wrist splint that I was fitted for and received in my doctor's office. Today, I received a bill from the rehab company (not the doctor) for the splint in the amount of $172. They actually billed my insurance company $230. The discount amount was $58, leaving me with the difference. Unfortunately, I have a $200 deductible for these types of items. Thinking that this total was more than it should be, I researched the splint online and found several sources selling the exact same item for anywhere from $22-$28 (and as low as $13 if purchased in quantity). I called the rehab company hoping to negotiate a reduced amount with no success, even after speaking to several employees up and down the management chain. They are more willing to let the invoice go to collection than to take a partial payment. Here's my question: Is there something else I can do? What effect will defaulting on the payment have on my credit score (which is very good - 780+ right now)? I always try to do the right thing and pay what I owe, but I refuse to pay 8 times what an item is worth on the retail market. Am I wrong? Thanks for your help!