Also, look for mistakes in the bill as some Insurance Companies reimburse you for money you save them. In my case, I was taken to recovery at 2:15 PM. They did not get me to my room until 8:00 PM because they couldn't find anybody to clean my room. So, for about 5 hours I was in recovery which charges $10.00 a minute! That was an extra $3,000 they applied to my bill and in addition to the $95.00 a day normal room rate. I contested it and didn't even get an argument form the hospital. I was reimbursed 50% towards my $2,000 deductible. Yes, I am self employed thus, the large deductible to keep rates down.