My boys are boys in every sense of the word, which means we should have a punch card for our local ER. A while back, I discovered that if you call the hospital the day you get the bill (not just the ER, either) and offer to put the balance on your credit card, they’ll usually take as much as 20% off the top. They don’t offer this – you have to ask. And only do it if you’re able to pay the credit card balance off before interest fees eat up your discount. If you can pay it off quickly, though, it’s an almost effortless way to save some money.