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.
If you have other questions about planning for health care expenses, dealing with medical bills, or understanding how health insurance works, you’re invited to schedule a free, confidential 20-minute call with Kelsey Shaner, a Trim team member who is also a Board Certified Patient Advocate. Appointments are subject to availability, first-come, first-served.
Any information provided by OneMain Trim, LLC d/b/a Trim, whether posted on the Trim website or conveyed by a Trim team member, including but not limited to any Board Certified Patient Advocate, is for informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The information is not intended to be and does not constitute medical, financial, legal, tax, or any other advice specific to a user or anyone else. Always seek the advice of a qualified medical or mental health provider or other qualified expert with any questions you may have regarding your personal circumstances. Trim does not recommend or endorse any specific products, procedures, opinions, or other information mentioned on the website or by a team member. Reliance on any information Trim provides is solely at your own risk. Any companies and individuals (other than OneMain Financial’s sponsored partners) we refer to are not sponsors of, do not endorse, and are not otherwise affiliated with OneMain Financial or Trim.