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Is it a good idea to negotiate medical bills?

| Nov 3, 2020 | Chapter 7 |

For many Louisiana patients, the unexpected and exorbitant costs associated with medical care can be a significant burden. After surgery, going to the hospital or just receiving regular care, many patients are surprised to find medical bills coming to their house in the weeks and months following. Health care, even for those with insurance, is costly, and these expenses can quickly wipe out savings.

The balances can rise until they reach a point when a patient and his or her family has no hope of managing these balances alone. Even making payments may not help one truly get ahead with what is owed. In some cases, it is possible to negotiate the balance with the hospital or care provider. Before initiating negotiations, it will help to request an itemized bill for everything charged to the patient. A careful review will reveal if there have been any accidental charges or billing errors.

For some patients, there may be other sources to help them cover their bills, such as aid offered through a hospital or a subsidized insurance plan. If this does not work, it is possible to ask to lower the bill. A Louisiana patient should start by stating he or she cannot pay the bill, then ask if a lower amount is available. Most billing departments are experienced negotiating balances with individuals who cannot pay.

If all other options are exhausted, there is another option for those facing overwhelming medical bills. Bankruptcy offers a way out for consumers who have no other option by which to deal with their debt. Before making an important financial decision, an individual facing similar concerns may want to discuss them with an attorney.

Facing Overwhelming Debt?