Did you know your insurance company generally pays higher fees than Medicare for the exact same procedures? It's true. But you don't have to be a senior citizen to enjoy the lower rates of Medicare, the federally-funded health care plan that pays for about half of all medical costs for those 65 and older. Because Medicare pays doctors, hospitals and other health-care providers the lowest fees, you can use those fees as a starting point to negotiate a lower medical bill [source: Alderman]. One way to find those fees is to visit the U.S. Department of Health & Human Services Medicare Web site. It's relatively simple. All you have to do is type in your ZIP code and begin comparing hospital rates.