medical bill

Struggling to Pay a Medical Bill? Here’s What to do

Have you received a medical bill that you might struggle to pay? Don’t worry, there are some things you can do to help you make those payments. From asking for help to making sure the medical bill is accurate, you don’t necessarily have to be stuck paying a bill you can’t afford. Here’s what you should do:

Ensure the Charges are Accurate

There’s always a chance that your medical bill is high because a mistake has been made. Mistakes are made all the time by large medical insurance companies. Your bill could potentially include treatments that you have not received.

Asked for an itemized bill. In some cases, asking for this can result in a reduced bill. While it might not be reduced by a lot, even a small reduction can make the cost easier to manage.

Do Not Ignore the Bills

You might be tempted to ignore your medical bills, but this is a mistake. In fact, ignoring the bills will only make the situation worse. Consider getting help from an out of network billing specialist so you’re not on your own.

If you’re still tempted to ignore your medical bills, ask yourself if you’re also prepared to ignore the telephone calls. Don’t forget, if you fail to make a payment your credit score will also be affected. If you’re struggling, please ask for help. 

Ask for an Interest-free Payment Plan

Speak to someone at your doctor’s office or hospital about an interest-free payment plan. They might be able to help you. When negotiating your medical bill, be prepared to be offered a payment plan that is too expensive. You do have the option to ask them to lower the price. There’s no harm in asking as the worst thing they can say is “no”.

Ask for a Discount if you can Pay Quickly

If you can pay your bill quickly ask for a discount. Some doctor’s offices will take 10% off your bill if you pay within a month.

Do your research, try to find out what other hospitals are charging for the care you have received. If you were charged a lot more, you could negotiate a reduced fee.

Ask for Financial Help

Many people struggle to pay their medical bills. The good news is that you can potentially get financial help from your hospital. While you might need to fill in a lot of paperwork, you might be pleased you have if you are offered a discount.

You’re not alone in your struggles to pay your medical bill. Millions of people struggle to make payments. There is help available so please contact your healthcare provider if you are struggling.

If you are struggling to pay your medical bill you’re not alone. While it can be a stressful time for you, you could get the help you need if you put the work in. use the above suggestions to help you make those payments while potentially benefiting from a discount.