How Do I Negotiate Medical Bills?

I’m a 25 yr old female, about a month ago I ended up in the emergency room because my heart rate was over 150 per minute, I originally went to Urgent Care because I have a limited medical plan (the only thing offered by my employer), but they sent me to the hospital’s ER due to my condition. Now I’m receiving bills for around $6200 , my insurance plan has a $1000 annual limit which I reached, they offered some network discounts, which left me with the $6200 to pay. $5000 of that balance is directly for the ER room, about $900 for the physician services and $300 in miscellaneous bills that I’m paying up front. I’m trying to negotiate the 2 biggest bills and get to a payment agreement, I can’t afford to pay more than $100 a month, but because my income is a little over 300% the poverty line I don’t qualify for charities or state assistance. What can I do? I want to pay, but I don’t want to be forced to pay all this money that I don’t have or be sent to collections for not paying.

Both comments and pings are currently closed.

3 Responses to “How Do I Negotiate Medical Bills?”

  1. A Hunch says:

    when you were admitted to the ER, you agreed to pay the bill. Just because it’s too expensive is not a a reason not to pay.
    = see if there is an quick payment discount = many hospitals give large discounts if you pay in 30 days.
    Otherwise, you will have to increase your income.
    Look into Tonik insurance which is specifically for young adults. Not great but better than you have now.

  2. PattyC says:

    That bill seems excessive.
    First call the billing number of the ER and ask for an itemized statement. Many times patient is charged for a service not received.
    Tell them after you receive the itemized statement, you would like to have someone to go over it with you. Going in person would be best. Ask for an appointment.
    Then tell them that you will need to negotiate the payment. If the person answering the phone or explaining the statement in person to you can’t help you ask (nicely) to speak to a supervisor. Tell the supervisor how little your insurance covered. Tell that person you would like to make payments and that you will continue to pay. Ask if the bill can be reduced. If you don’t ask, you may miss out on some help.
    Did the ER find the cause of the tachycardia? If not, bring that up to the biller.
    Look at your budget and see what you can cut out.

  3. Mycroft says:

    PattyC has some good advice. I will add that you may be able to settle this for a one-time payment of $300-$600, or maybe even less if you first reduce the actual bill. Medical debts are often sold to collection agencies for pennies on the dollar. So if the hospital were to send it to collections, the hospital would only get a few hundred dollars for it.
    If you were to offer to settle it for $300, that probably wouldn’t be accepted at first. But then you tell them that in that case, you won’t pay anything voluntarily. They could send this to collections, but then the hospital itself would only get a few hundred dollars for it.
    Don’t be intimidated by threats of legal action. That would itself cost money, and even if it happened, the hospital or collection agency might not get much. They’d rather get something than nothing, and they’d rather have it now than later. Remember that you have leverage.

Powered by WordPress | Designed by: free css template | Thanks to hostgator coupon and web hosting reviews