When was the last time you went to the hospital? Perhaps you got into an accident or have a medical condition?
In cases like that, you’ll definitely want to see the doctor. Remember, your health comes first!
As it is, however, medical care is not cheap in the United States. If anything, its costs are among the highest in the world! To give you a better idea, Americans spent $3.65 trillion on healthcare in 2018, according to Axios.
Given that, it’s not surprising to know that many people struggle with their medical bills. Not everyone has that kind of money, after all!
Want to know what you can do if you can’t afford them? Tired of googling, “what if I can’t pay my hospital bill”?
If so, you’re on the right page! We’ll be going over a few things that you can do below. Keep reading to learn more!
Did you get into a collision? Not sure how much your visit with the car accident doctor will cost?
Well, as it turns out, there are a few things that you can do to negotiate your medical bill. Here are some of them!
You should always double-check your hospital statement. After all, errors do happen. The last thing that you want is to pay more than you need to!
First things first—check for obvious errors such as duplications. You also want to make sure that the procedures listed are correct (sometimes they’ll list things that you didn’t receive).
Consider contacting the hospital’s billing department. As it is, most will have some sort of assistance program. Depending on your circumstances, you might qualify for financial aid.
Even if you’re not eligible, they might be able to offer you a payment plan. There’s also the possibility of a cash discount if you have the funds. For instance, it’s not uncommon for hospitals to cut the amount by 10% to 15% if you pay upfront.
Is your insurance not kicking in like it should? If so, you might want to give them a call. Chances are, there’s a reason why it’s not working.
For instance, it might be due to the fact that your treatment was provided by an out-of-network doctor. There’s also a possibility that they deemed the procedure not medically necessary.
If that’s the case, you might want to get a note from your doctor—that way, you’ll be able to prove that you did in fact, need the treatment.
Aside from the hospital, there are other organizations that you can turn to for financial help. For instance, some non-profits may be able to provide you with some aid.
Not sure where to look? You can check out the Patient Advocate Foundation’s National Financial Resource Directory—that might point you in the right direction.
Hopefully, that provides some answers to the question, “what if I can’t pay my hospital bill?”. As you can see, it is possible to negotiate medical debt—you just have to be proactive!
What has worked for you? Let us know in the comments below!
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