Reduce Hospital Bills

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Negotiate Medical Bills

Let’s face it, there’s nothing more stressful than being faced with an unexpected hospital bill. In today’s economy, it’s even tougher, when coupled with the fact that many Americans have lost their health insurance, either because they have lost their jobs or just plan couldn’t afford it anymore. Don’t despair. Most people have hospital bills that they can not pay in full. There are a number of reducing hospital bills solutions out there; you just have to know where to look.

First things first, contact the hospital’s accounts receivable department. You want to do this for two reasons. The first reason is because you want to let them know of your intent to pay the bill. What most people don’t realize is that medical bills are a little different than most other debt. Hospitals are willing to work with you, as long as you are making an attempt to pay them.

The second reason you want to contact them is that they already have a debt reduction program that allows people to write off a portion of their bill if they can prove financial hardship. You need to inquire about the program, complete the paperwork in its entirety and provide any necessary documentation as thoroughly and timely as possible. This ensures you have the best chance of reducing the debt with the fewest problems. Expect the packet to be large and fairly complex. You should ask that you be assigned a caseworker who can answer questions and assist you in completing the paperwork to ensure its accuracy. This is the number one way to quickly reduce the amount of money you owe on any hospital debt you have incurred.

The second method to reduce your total bill is to ask for and scrutinize an itemized bill. Most hospital bills are entered into the system by many different people and have a large propensity for error. Up to 95% of hospital bills contain errors that largely go unnoticed by both the patient and by insurance companies. Specific things to look out for are personal items you may or may not have received (like toothbrushes, soaps, lotions, etc.). Also, be on the lookout for duplicate charges. These can be for both items supplied to you or for tests that had to be duplicated due to errors. You should not pay for x-rays twice because the first set was unreadable, but many times the charges show up on the bill. Be wary of items with overly complicated descriptions, for example “mucous recovery system”. It may be the hospital’s chosen description for tissues. If you have any doubt as to whether or not a charge is valid, dispute it.

Lastly, employ the help of a professional. There are as many professional advocates out there for the consumer as there are collection agencies for businesses, and yes, as much as we would like to think not, a hospital is a for-profit business. If you feel like you can not do it alone, scour the Internet for firms who specialize in helping consumers negotiate debt. You may or may not have to pay a fee for this service, but if you choose carefully, the savings could be substantial enough to warrant the extra expenditure.

Reduce Hospital Bills website offers a fast and affordable way to get out of debt. We have an experienced staff that has helped hundreds of customers eliminate their unsecured debt and avoid bankruptcy. If you are behind on your credit card bills, are struggling to afford the minimum monthly payments and have you are tired of paying high interest rates every month, we can help you. Do yourself a favor and take a moment to supply us with some basic information so one of our knowledgeable account representative can tailor a program that will fit your needs.

 

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