Wondering if anyone got coinsurance/deductable waived?

I will be applying for insurance approval very soon :) I have BCBS Anthem HMO of NH. I know most people don't have problems getting approval w/BCBS as long as there's a referal and medical documentation. However, even with approval I have a $2500 inpatient deductable along w/20% coinsurance. Now that's just the hospital stay. Since I do medical billing I know there's usually seperate doctor's fees, radiology, anesthesia, etc. It says in my EOB packet that I can only be charged $5000. Still that's a lot of money!!! That will take me a lifetime to pay off. I don't make a ton of money but I make too much to get something like Medicaid. I was wondering if anyone else has been in the same situation. My friend had a different type of surgery and she wrote a letter to a different hospital asking if they would accept the insurance payment as payment in full due to her financial situation and they did pardon her. I was thinking about doing the same thing, or maybe asking if they'll take a lesser amount (kind of like a settlement). Has this worked for anyone? Also if you have any suggestions in what I should say in the letter that would be very helpful too. Thanks :)

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