You can even negotiate it

by yourself. Two years ago, my son had a simple procedure(which was not covered by our insurance) at a local hospital, although the doctor estimated the cost should be around $700, the final bill was over $1400. The doctor told me to negotiate with the hospital to reduce it to half of the bill. I called them, at first they agreed to reduce by 20% (all of the representatives are authorized to offer this much discount), I refused. Then they reduced by 30%, I still refused. I told them according to my online research, if this procedure was covered by the insurance, they could only get about $300 from the insurance company and I am only willing to pay twice as much, they agreed. If they chose to go through a credit agent to collect their money, they will get much less than what I am paying them.

The bottom line is,according to my doctor, hospitals charge individuals much more than they charge insurance company. They expect you to fight it. Good luck!