Unpaid Hopital Bills

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Negotiate Medical Bills

Each day, thousands of people are being seen in the Emergency Department or admitted to the hospital, resulting in bills that are often not covered by insurance. Many times, the patient has no insurance at all, and that presents an even bigger problem. The downward spiral of the economy has left many families with a fraction of their previous earnings, or in some cases, no income due to company layoffs. So what do you do if you are faced with a similar situation? Here are some tips to help you navigate your way through paying off large hospital bills.

Do not ignore your medical bills. This seems pretty basic, however, it is human nature to put off dealing with unpleasant issues. Ignoring your bill may be interpreted as an unwillingness to pay, instead of an inability to pay. The next step is to check your bill and make sure you understand it. You need to be certain that you received all of the services that you are being billed for, or have not been doubled charged for any service. Mistakes like this are common, so challenge any charges that you think are incorrect.

Hospitals often charge uninsured patients more than the prices given to insurance companies. According to the National Consumer Law Center, uninsured patients can be charged two or three times the price of patients that have insurance. That leads to the next tip, negotiating with the hospital for a lower price on your bill. Ask the hospital if they can charge you the same as they charge their patients on Medicare or Medicaid. These companies are the hospitals largest insurers, and the hospital greatly reduces the amounts these patients are charged. Be sure to get any agreement you reach in writing, to make sure there is no confusion later on. Even if you have insurance, you can still be left with a bill, due to uncovered services.

The next step is to contact the hospital and set up a payment plan. The key to this is to make a payment plan that you can afford. Your payment has to be made every month without fail, as long as you are paying the agreed upon amount you avoid having your account being turned over to collections. Most hospitals are more than willing to work with you, remember, it is to their advantage for patients to pay their bills, even if it is in small payments and being turned over to a collection agency will certainly have a negative impact on your credit score.

Some collection agencies will use high pressure techniques to collect money that is owed. Do not let them pressure you into borrowing money to pay your bill. Taking out a home equity loan is generally a bad idea because that can have serious consequences if you run into trouble paying the monthly payments. Defaulting on this type of loan could result in you losing your home, one of your most valuable assets. A credit card company will charge you interest, sometimes at a high rate, so that is not always a good option. Most hospitals do not charge interest if your payments are being made on a timely basis. The last tip is that sometimes, a hospital will accept a much lower total amount, if you negotiate a lump sum settlement.

If you have the ability to pay the entire amount at once, often the hospital will slash the total amount due by as much as half. Hopefully, these tips have been helpful navigating this sometimes difficult process.

Unpaid 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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