Big medical bills due to 80/20 co-insurance policy-can I negotiate bills lower?

Big medical bills due to 80/20 co-insurance policy-can I negotiate bills lower?

I just had eye surgery. The dr.'s office gave me the impression if I used the hospital I would get better coverage. I thought the surgery would be 3K, It was over 11K paid out to the providers already from the insurance co. and I am no getting all sorts of co-insurance bills for over 1600. I have a ins. policy through work. I can't afford this big co-pay on my small income. (due to pay cut, etc.) Is it worth it to try and write the hospital and dr. for a reduction of the bill? There are 3 bills, dr, hospital and anethesiologist. I may try to write the hospital and the dr. and ask for a reduced payment. I asked for the itemized bill also from each. There's no way I can afford 1600 co pay! Need advice. Thanks.

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I live in California, How do I obtain a state license to sell auto insurance?

Pls. show a website were I can see what are the requirements to obtain a license and explain well what it is and what to do.... Thanx.

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