If you don't have health insurance, listen to this. You're probably being charged more for hospital services than both insurance companies and Medicare pay. According to a leading health policy researcher, uninsured and self-pay hospital patients often pay two-and-a-half times more than most health insurers pay --and three times more than Medicare-allowable costs. That's because self-pay patients are charged the full rates from a hospital's price list rather than the discounted rates hospitals give insurance companies. The billing issue's currently being litigated in several federal and state courts.