If you find yourself stuck underneath a pile of medical bills, it may be time to contact each provider with the idea of negotiating a better price.
There is no guarantee of success, but you won't know until you try. When it comes time to take action here are four steps to consider:
- Review your bill: Before contacting the provider you should review the bill in great detail, paying close attention to any errors. If you come across any type of mistake, use it to your advantage when negotiating with the provider.
- Ask about discounts: You may be surprised to find that you qualify for a discount, such as if you pay your bill in full or have a low income.
- Visit in person: It's not always something you can do, but if you're able to visit the billing office in person it will work in your favor. A face-to-face conversation often yields better results.
- Be polite: There's never a good time to become upset when negotiating a medical bill, as this will put the other person off. However, don't turn into a pushover. You know what you want, so stick to your guns and go after it.
There is a lot to think about when negotiating a medical bill, so you don't want to walk blindly into the process.
If you're unable to find debt relief through negotiation, it may be time to learn more about Chapter 7 and Chapter 13 bankruptcy. One of these could help you eliminate some or all of your medical debt.