MONEY · HEALTH BILLS

How to Negotiate a Medical Bill

Five steps to a lower bill, before it hits collections.

Photo: Bill Branson, NCI / public domain

ENTRY 01 · HEALTH BILLS

Itemized

STEP ONE

Providers often send only a summary. Ask for every charge, with billing codes.

Photo: Bill Branson, NCI / public domain

ENTRY 02 · HEALTH BILLS

EOB

COMPARE

Match each charge to your insurer’s Explanation of Benefits. Look for duplicates and errors.

Photo: Bill Branson, NCI / public domain

ENTRY 03 · HEALTH BILLS

$400

GOOD FAITH ESTIMATE

No insurance? You may be able to dispute a bill that is $400 or more above your estimate.

Photo: Bill Branson, NCI / public domain

ENTRY 04 · HEALTH BILLS

Ask

FINANCIAL ASSISTANCE

Nonprofit hospitals must have a written policy. It is not automatic, so ask.

Photo: Bill Branson, NCI / public domain

ENTRY 05 · HEALTH BILLS

In writing

NEGOTIATE

Offer to pay promptly or ask for a payment plan. Get any deal in writing first.

Photo: Bill Branson, NCI / public domain

FINAL ENTRY

Never pay the first bill blindly.

The full guide: itemized bills, your rights and how to ask for a lower payment.

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Photo: Bill Branson, NCI / public domain. Facts checked against official sources. Not financial or legal advice.