MONEY · HEALTH BILLS
Five steps to a lower bill, before it hits collections.
Photo: Bill Branson, NCI / public domain
ENTRY 01 · HEALTH BILLS
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
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
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
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
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
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.