can hospitalisation costs be negotiated?

Yes, you can negotiate with the billing department of your hospital or doctor's office to ask for a lower balance on that high medical bill. And getting that discount is easier than you think. There is no contract that states that the hospital cannot charge the patient the difference between what the insurance company paid and the hospital's master rate (although many states have laws that regulate what can be charged in this case; we'll talk about that in the next section). This can be done, but be aware that you will more than likely have to pay interest on top of the hospital bills if you go this route.

If the hospital, laboratory or other health care provider is charging you more, you can use this information to your advantage when you start talking. This means that the insurance company pays "in-network rates" for services rendered (which are usually higher than out-of-network rates), and the hospital agrees to accept these "in-network rates" as payment in full for services rendered. Some hospitals may require you to apply for Medicaid first before they will offer you a discount on services. As mentioned above, if you do not have insurance, the hospital is likely to charge you its fees for services, which means that you are almost certainly being overcharged.

Even if you cannot negotiate a lower bill, you may be able to work out a more affordable payment plan with the hospital's billing department. In this part, we will identify potential problems with your bill, dividing them into 4 categories: overcharging, insurance denial, balance billing, and billing errors, and provide detailed descriptions of each scenario and how to prepare to negotiate the bill. When you come home with large medical bills, you can seek financial help outside of the hospital. Your recent visit to the doctor or hospital to treat strep throat, relieve your allergies or heal a broken bone has resulted in a bill you can't pay.

This letter gives the hospital something to respond to and, more importantly, forces them to start talking about price and not just payment plans or applying for financial assistance. The letter comes from the hospital and lists the total charges along with any discounts offered, insurance company coverage and what you, as the patient, owe. The first step in negotiating the hospital bill is to make sure you have in your possession and understand all the documents relevant to your case. This reduces the amount of time you will spend learning to discuss hospital basics with the billing department, and increases the amount of time you can spend discussing your own bill.

However, the bill itself never goes away, and you will still owe that amount to the hospital or clinic you went to.

Summer Mason
Summer Mason

Infuriatingly humble twitter fanatic. Professional pop culture lover. Professional twitteraholic. Infuriatingly humble bacon scholar. Typical tvaholic.

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