Here is a step by step guide on how to negotiate a reduction on your medical bill. With raising out-of-pocket expenses and deductibles, can you afford not to ask for a discount? This is a step-by-step script to ask for a reduction on your medical bill.
Things You Will NeedItemized statement from billing department
Step 1Request an itemized statement from the billing office.
Check for "kits" or "trays" in your itemized medical bill. Check them against the individual charges for specific surgical instruments to make sure that you are not double billed for the item.
Step 2After looking over your itemized bill, call your doctor's office. Ask the person in the billing department "Are you authorized to give me a discount for this medical bill?"
Step 3If the answer is no, ask "Can I speak to the person authorized to give me a discount on my medical bill?"
Step 4Once you get someone who is authorized to give you a discount, ask "What kind of discount can you give me for this medical bill?"
Step 5Then ask, "Can I get a bigger discount for paying with cash?" Only ask if you can truly afford to pay cash for the medical bill.
Step 6Follow up with "Is there a discount for paying my medical bill in full or for prompt payment?"
Most billing representatives assume that you will be paying installments on a medical bill. If you can afford to pay the entire bill in full, ask for a discount for prompt payment.
Don't settle for a 10% discount. Medical expenses are so inflated that 10% is just a small drop in the bucket.
When a friend of mine took her son in for a cut, she was presented with a $315 medical bill at the reception desk. When she asked, "are you sure it cost $315 for glue?" the receptionist went and talked to the doctor. When the receptionist came back, her medical was reduced to $100. Just the fact that my friend questioned her medical bill, she was able to get a 67% reduction.
Tips & WarningsIf you are negotiating a bill from the hospital, make sure to talk to someone in the financial aid department.
You can find more information about the cost of a medical procedure and reducing your medical bill at How to Reduce Your Medical Bills.