Tips/advice to negotiate a medical bill

I saw a provider for a routine checkup appointment (there was no surgeries, no procedures, … nothing). Provider billed over $6,000 for this 30 mins appointment, and my insurance "only" covered $4,900 so I just received a medical bill for $1,100. I'm in shock.

I already called my insurance and they said they covered the maximum allowed under my plan.

I'm not willing to pay this bill and would like advice to negotiate this?

This is in NY State, and apparently medical debt is not reported to credit agencies. Am I correct to assume it will not impact my credit score? I also don't plan to need any loan or credit in the foreseeable future. They could always sue, but I assume it's not in their interest as legal fees could be more expensive than the invoice? Debt collectors are a possibility, but again that means provider would only recoup only a fraction of the bill? Would reporting to BBB or State medical board help? submitted by /u/CelentNico1990
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