I'm sure this is true. We've (unfortunately) now experienced this at 4 different hospital systems. The customer service is alarmingly similar.
Hospital: "Call your insurance company and ask for a break"
Insurance Company: "Call the hospital and ask for a break"
Also, 2/4 of these hospitals had outsourced their billing which means they can't even make decisions on behalf of the hospital (and have a disincentive to write anything off). Seems like a structural way of avoiding writedowns.
Was going to ask about outsourcing. I don't know the market on provider billing, but I'd assume there are some companies that manage a number of facilities.
I'm sure there's a lot of varying billing policy, hospital to hospital. And varying ability to financially write off care.
As a gut guess, I'd expect rural hospitals to be the worst about this and suburban the best.