Financing, billing and payment options at Mayo Clinic

Not sure where to post this, feel free to relocate it if necessary.

Can someone tell me what payment options there usually are after treatment?
I'm basically coming to get a bunch of tests run for a confusing vision problem.
My insurance doesn't really do much unless I got admitted for a big surgery or something.
I have read a number of posts from people say they typically spend 20-30 thousand out of pocket for their visit.

I called the finance department and they explained that they normally do a payment plan of 10% of your bill per month until paid..
10%? That could be 2-3 thousand per month.. maybe even more.
Another route she explained was paying in full and getting a discount. I didn't ask how much the discount was, but I would be interested in knowing.

Anyway, what have you experienced with billing and payment options after your treatment? Is there a route you would suggest?