After receiving a medical bill, consider setting up a payment plan directly with the health care provider’s billing department. If the length or terms of the plan options are not favorable, you can inquire about third-party financing companies that the health care provider may work with.
If you plan to or can pay your medical bill in full in one lump sum, ask the health care provider if they offer any incentives or discounts for those who pay in full. These discounts may range from 5% - 30% depending on the balance.
You may want to submit a settlement offer directly to the health provider’s billing department. This is a formal request asking to settle the balance at a discounted rate and must be accompanied by supporting information justifying the request.
Sometimes, you may be able to apply for financial assistance provided through the health care provider after services and/or treatment have been rendered. Ask the health care provider’s billing department for a financial assistance application and/or a list of qualifications.
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