{ "media_type": "text", "post_content": "Never knew medical bills could be negotiated. Just settled $1500 hospital bill for $1000. Remainder written off. No impact to insurance. ✌🏽", "post_id": "5fb890e3bc9b170028e75392", "reply_count": 19, "vote_count": 17, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

Never knew medical bills could be negotiated. Just settled $1500 hospital bill for $1000. Remainder written off. No impact to insurance. ✌🏽

likesmarthelpful
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How did you negotiate? I need to do that too

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It’s the form that explains the cash price, adjusted price based on whatever insurance company rates they follow, what your insurance paid against that, copays, deductibles, and finally the balance remaining that you are responsible for.

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Call billing and inquire about financing options. Be polite and patient. Opt for payment plan or one lump sum payment depending on ur situation. Offer payment if a deep discount is offered. In my case, they offered $200 off initially and I stated I can pay up to $1000 right away. They accepted my offer.

likehelpful

Yes!!! I did it years back, $3500 down to $800, I don’t even know how!

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I work for a lot of hospital clients and they typically have slot of bad debt and charity care on their income statement. You would be surprised how many people walk in to the ER with no insurance and simple walk away paying nothing. The best approach if you got a big bill is to call the billing department after all the dust settles with you insurance company. It’s at this point the hospital knows that the average person probably cannot pay a larger amount say over $5000 immediately. I simply say what type of discount will you provide if I pay cash now vs entering into a payment plan. Most hospitals are desperate for cash and will give you a decent discount since it’s risky for them to have you pay installments over a number of months or years like a credit card. I did this for my wife when she got her appendix out. We knocked off 4k simply by offering cash now. The amount may differ time by provider but you will get something if you ask.

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Yeah it’s ridiculous sometimes the doctors just over bill so the % that insurance pays is what they expect to get and they drop the rest if you call. The number of times my wife did this probably saved us 40k over the years.

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Nobody should have a bill that large to begin with. Yikes. We need healthcare reform.

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I got a bill of $7k for my son's emergency visit + 911 call (ambulance). He stayed overnight and like a dumb f, I paid everything because I NEVER imagined I could do this! Thanks for the info - will always match bill with explanation of benefits!

Damn!! Tips please

What does it mean to write off the remainder?

They forgive the remaining debt. It’s magically gone.

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Call and offer immediate payment and you can often get the price knocked down.

Always negotiate with hospitals and doctors. Be nice and say it is your intent to pay. They will say no repeatedly. Keep pushing the issue. Most of the time this works. I have also taken the nasty route. The best hand is to find a medical malpractice, hippa violation, or state board of insurance mistake. Hippa violation is the easiest; the more they talk the more likely they will screw up. Yes I am a jerk; but I know my rights. Please note you can and will be sent to collections if you take too long. Make your they freeze your account pushing hard and fast is your best bet.

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