Before you negotiate
Verify the bill is correct first. Dispute errors before negotiating the remainder. Request an itemized bill, compare with your EOB, and identify any incorrect charges.
What to ask for
- Uninsured discount — most hospitals have a standard self-pay discount
- Financial hardship reduction — a financial counselor may reduce it further
- Prompt payment discount — some hospitals offer discounts for immediate payment in full
- 0% interest payment plan — often available, better than using a credit card
How to approach it
Contact the billing department or financial counselor — not the general admissions desk. Written requests are more effective than phone calls.
General information only. Not legal or medical advice.