I paid all my insurances due in full and avoided the fees for making payments, and the fees were significant.
Also, I had a diagnostic test last week and when they called to pre-register me the registrar told me if I paid my out of pocket expense at the time of service I would get 10% off. The satellite office I went to was not set up to take payments so they had to make a phone call to the main hospital to find out how to take my payment. Technician was irritated with me so I explained the discount, she said to me, "it's not like $20.00 is a lot of money".
Ummm, yes it is, in my pocket anyway. I was surprised, she was in her mid fifties, you expect grown ups to be a little smarter.