Billing errors are common, and many hospitals offer discounts or free care to people who qualify.
Ways to save
Check for duplicate or incorrect charges.
Easy Good savingMake sure the bill matches what insurance says you owe.
Easy Good savingNonprofit hospitals must have a financial assistance policy.
Easy Big savingEspecially if you are uninsured.
Easy Good savingAsk the provider directly before using a medical credit card.
Easy Small savingThe No Surprises Act protects against many surprise out-of-network bills.
Easy Good savingStep by step
- Do not pay straight away; ask for an itemized bill.
- Check it against your explanation of benefits from your insurer.
- Call the billing office about errors, discounts and financial assistance.
- Get any agreement in writing.
What to say
Hi, I received a bill for [$amount] for [service on date]. Before I pay, could you send me an itemized bill? I’d also like to apply for financial assistance, and to ask whether there’s a discount for paying in full or an interest-free payment plan.
When
As soon as the bill arrives; ask for collections to be paused while you review it.
Watch out for
- Medical credit cards with deferred interest.
- Pressure to pay on a credit card before you have checked the bill.
Good to know
- The No Surprises Act, in effect since 2022, protects patients from many surprise bills for emergency care and some out-of-network care at in-network facilities.
- Uninsured and self-pay patients can ask for a Good Faith Estimate before scheduled care.
Did it work? What readers report
Real results from people who tried these steps on their medical bills bill. "Worked" means they got a lower price; savings are per month, counting only people who saved something.
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Tried one of these? Tell us how it went
See results for every bill on what worked.
General information, not financial, legal or insurance advice. Terms vary by provider and state.
Frequently asked questions
What is the fastest way to lower my medical bills bill?
Apply for financial assistance. Nonprofit hospitals must have a financial assistance policy.
When should I shop for medical bills?
As soon as the bill arrives; ask for collections to be paused while you review it.
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