<human>: Can you give me a shortened version of the text?

I recently got an MRI and I got nailed with a $2300 Hospital bill.. (and an extra $250 for the radiologist and the doctor visit). I'm still under my parent's family plan for insurance and I basically used all my $2500 deductible for this year. 

I'm frustrated because the MRI was prescribed as preventive, and I was estimating about $500-$1000 for out of pocket (seriously, I did my research on the medical blue book, and copay.com and that was the price that came up). I guess the good news is that nothing was wrong! Next time I will call my insurance before the trip to the hospital.

I called my insurance yesterday and there seems to be little they can do to help. I called my hospital yesterday and they said that I can do a payment play for $200 a month OR get a discount (up to) 15% if I paid in full. I read on a similar post that you can do a payment plan, and if you ask before you pay each month to pay in full for a discount -- you can get a discount up to 30-40%. However, the lady I talked to said that it was either or; you can't get on a payment plan and then get on a discount. I know this varies hospital to hospital, but do you think she's bluffing? From a business perspective it would be silly not offer a discount for paying in full if you're offering 0% interest...
<bot>: Should I take a payment plan with the risk that they don't offer me a discount? Is billing bluffing me by saying that they won't give me a discount in the future?