From what the OP said, the $3k is the cost his insurance won't cover as he hasn't met the deductible yet. So it's most likely already at the negotiated insurance amount. Considering he was able to make the flight that left only 4 hours after he landed the $3k negotiated rate sounds about right. It's possible he might be able to get a small discount on it if he pays it all at once, but if the $3k is the allowable amount according to his insurance they are more likely to suggest a payment plan than negotiate a lower price.