1. Call the Billing Office

The first step when faced with a problematic bill is to call the billing office. It’s surprising how often patients find a resolution just by reaching out. According to Duffy’s research, 75% of those who called about unaffordable bills were able to access financial assistance, discounts, payment plans, or even bill cancellation.

If you suspect an error, contacting the billing office is crucial—three-quarters of those who did managed to get their bills corrected. Plus, negotiating the prices could help lower your bill by up to 60%.

2. Ask About Financial Assistance & Payment Plans

If you can’t afford your medical bill, inquire about financial assistance programs. Many hospitals offer payment plans or discounts for prompt payments—even if you don’t qualify for financial aid. While eligibility for assistance is usually based on income, hospitals often provide more flexibility than you might expect. But remember, you’ll only know your options if you ask.

3. Know Your Consumer Protections

For emergency medical services, you have some consumer protections under the No Surprises Act. This law limits how much you can be asked to pay if you receive emergency care outside of your insurance network. Knowing your rights can help you avoid surprise medical bills when you're at your most vulnerable.

4. Shop for Procedures in Advance

If you have a planned medical procedure, it pays to shop around. Our study showed that patients typically have to contact multiple departments to gather all the information they need—financial aid, payment plans, and cost estimates. The financial aid office can help if you're low-income, the billing office provides payment options, and the admissions office gives you the expected upfront costs.

By comparing options before your procedure, you can choose the most cost-effective solution.

5. Don’t Assume Calling Won’t Help

Many people avoid reaching out to billing offices because they think nothing will change. However, 85% of those who didn’t call in our study felt it wouldn’t make a difference—yet those who did found significant relief. Don't assume your bill is set in stone; there’s often room to work with.

Conclusion:

Dealing with an expensive medical bill can feel overwhelming, but by contacting the billing office, asking for assistance, and knowing your rights, you can often find relief. Don't hesitate to advocate for yourself and explore your options.

If you're dealing with unexpected medical bills or have been hit with "balance billing" after a healthcare visit, No Surprise Bill is here to support you. We offer comprehensive balance billing patient support, helping you navigate the complexities of medical billing disputes. We understand how overwhelming it can be to face these financial challenges, and we're committed to advocating for you. Whether it's negotiating with providers or ensuring your rights are protected, our team is ready to assist.

Don't let surprise medical bills disrupt your peace of mind — contact us today for expert assistance with balance billing and start taking control of your healthcare costs.