Managing Medical Debt: How to Negotiate Medical Bills

Updated on January 23, 2021

If you are in need of medical care of any kind, it’s always important that you figure out how you’re going to handle your bills. Medical costs are one of the leading causes of bankruptcy filings. 

What you might not know is that there are several things that you can do to negotiate your medical bills as they come about. So what tips should you know about? We’ve got you covered. 

Use the tips in this article so that you can negotiate medical bills on your terms. 

Shop Around for the Most Affordable Medical Treatment in Advance

One of the best things you can do is shop in advance for affordable medical providers. Don’t be afraid to find out up front how much you will be paying for any procedure or care that you get. 

What you will find is that certain medical providers are more cost-effective than others, which will give you more negotiating and bargaining power. 

Get on a Payment Plan

It’s also helpful to get on a payment plan for any medical treatments that you receive. The bill that you get will seem far less daunting when you can make payments each month, as opposed to having to pay it all in one lump sum. 

You will find that many practices will be happy to work with you as long as you show an earnestness to make payments. They can bill you later and provide services now so that the price doesn’t have to be an automatic deterrent.  

Look Into Medical Assistance Programs

You might be subject to certain medical benefits depending on your income level and other circumstances. There are several medical assistance programs that you can sign up for when you’d like to get a discount on your care. 

These programs are typically income-based, so you will need to show proof of employment, pay stubs, tax returns, and other documents to show that you don’t earn over a certain amount. 

You can try this helpful paystub maker to show proof of income if you are self-employed. Look into the application process and requirements to see if you qualify. 

Ask for an Itemized List of Charges to Help With Your Negotiations

It is much easier for you to negotiate any medical charges that you receive when you know exactly what you are dealing with. Ask the provider for a copy of all of your charges in itemized form. 

This will give you a complete breakdown of what medical treatment you received and how much each cost. You can compare this to how much your insurance provider paid, and how much you will be responsible for. 

By starting with the right information, you’ll have leverage and will be in a better position to find the fairest deals. 

Negotiate Medical Bills on Your Terms

When you’d like to negotiate medical bills in a way that counts, start with the tips in this article. You have rights as a medical patient, and negotiating your medical costs will help keep money in your pocket while taking care of your health and well-being. 

Consider these tips and come back when you need more information on health and medical care. 

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