MO and I have a lot of medical expenses. I have a nice little system in place to save money on medical bills.

First: I have an HSA so the money we use to pay the medical bills is tax free and comes right out of my paycheck, so we never miss it.

Second: I pay my medical bills right away to avoid any fees, and also my main provider offers a prompt pay discount of 10% on many services if you pay in the first billing period.

Third: I pay the bill with my Discover Card to get 1% back, and then just reimburse myself (for free) from my HSA.

So the last bill we got for MO was $276.88.
I called and paid right away (Saved $27.69 (10%) with the prompt pay discount).
I used my Discover to pay it (Earned $2.77 (1%) in Cashback Rewards).
And then reimbursed myself with the tax free funds in the HSA (I am not sure how to calculate the tax savings?)
That equals $30.46 + Tax Free Savings, just on this one bill, and we didn't even need to do anything other then pay smart to get those savings!

The 1% back doesn't seem like a lot, but our Cashback Bonus is now over $1000 and that is free money, just for using our Discover Card when we pay for things we were going to buy anyways!

Hope those tips help anyone with medical bills!