For a hospital stay. My health insurance shows $1,000 deductible+ $300.00 a day for five days

So if the hospital charges is $200.00 a day for 3 days.

The insurance doesn't cover anything. Am I correct?? All insurance companies negotiate cost
So its hard to say what they paid. Only a hypothetical figure

That's correct but -- I was in the hospital three times last fall. Please tell me where there is a hospital that charges only $200 a day!