I haggle with them the best i can but we've had 3 surgeries in the family in the past year totaling $150,000+. Even with good insurance paying most of that, my on-going problems keep adding to it. At least my wife's and son's surgeries solved their problems (knock on wood).
These thoughts are just mine, not right, not wrong, just thoughts. Invest in what you believe in, not what I believe in. Do your research, and invest in the facts.