How do I negotiate a medical bill?

Concerns & risks

You got a medical bill much bigger than expected.

Paying the first bill without questioning can cost more.

Causes & evidence

Bills can contain errors, and many hospitals have financial assistance programs.

What to do

1. Request an itemized bill.
2. Check for errors or duplicates.
3. Ask about financial assistance or charity care.
4. Ask for a payment plan or discount.

Common mistakes: Common mistakes: paying right away without checking it. Ask for an itemized bill, check insurance processing, and ask about financial assistance programs or payment plans. Nonprofit hospitals often have financial assistance policies. Compare the itemized charges with your insurer's explanation of benefits, and question duplicate charges or services you didn't receive. Be polite but persistent, write down the name of everyone you speak with, and ask for any agreement in writing. If you can pay a lump sum, ask whether they'll reduce the total. Paying with a high-interest credit card isn't usually the best first move.

Speed Man tip: Nonprofit hospitals often have financial assistance policies; ask for it.

Wrap-up: Get an itemized bill. Check errors. Ask for assistance.