(Closed) Negotiating a hospital bill

posted 6 years ago in Wellness
Post # 3
Member
3773 posts
Honey bee
  • Wedding: December 1999

While it is rediculous amount of money, it is what you owe. He saw the doctors, he had the CT, he had all of those things done, so you should pay for them. When you call work out the payment plan, but honestly, I wouldn’t try to negotiate what you owe. I have never heard of anybody doing this up front only when they are behind on the payments and can’t make them.

Post # 4
Member
1245 posts
Bumble bee
  • Wedding: June 2011

@lfranke:  I’m sorry that you are in this situation, and while I think it is ridiculous, I don’t think they will negotiate the costs. The only time I have heard of negotiating the cost is after they have turned it over to a collection agency. However, I could very well be wrong. Best of luck to you.

Post # 5
Member
12830 posts
Honey Beekeeper
  • Wedding: November 1999

Some doctors will reduce their fees if you can demonstrate hardship.  I know someone who had a major, necessary surgery and several of the specialists cut the bill by half when they were told it wasn’t covered by insurance.  HOWEVER, her bill was over $50,000.  With your bill being less than $1,000, I doubt you’d have any luck at getting anyone to reduce it. 

Trips to the ER are expensive, and unfortuantely, now you’ve got to pay for it.  Good luck!

Post # 6
Member
1408 posts
Bumble bee

The insurance companies do not pay the full amount, why should an individual?  I had a blood clot that I paid fopr out of pocket.  I went for blood draws every 3 days, CT scans of my heart and lungs, doctor visits to explain all of this, technicians to read all the results.  

I negiotiated hospital, radiological, doctor, and ER bills.  Most hospitals receive grant money they have to give away to patients.    

Ask for an itemized bill.  I paid someone $90 to stand there and watch me give myself an injection.  It is ridiculous.  Feel free to PM me.  

Post # 7
Member
3773 posts
Honey bee
  • Wedding: December 1999

@Sunflower–girl:  Yes hospitals  do have those grants, but they are for people in dire circumstances, not just those that don’t want to pay their bill.

Post # 9
Member
1765 posts
Buzzing bee
  • Wedding: September 2012

I recently had a $5000 ER room bill. Insurance covered $2000, so we were left with $3000. I was SO not happy about it, because I didn’t want to go to the ER anyway, I wanted to wait for a regular appointment, but my family was worried. When we got the bill, I just called the hospital and they spaced out the payments over a year. They didn’t give me any trouble when I asked about a payment plan.. seemed pretty common. She said as long as I made the payment each month, no problem. I did think everything was SO expensive. They charged us about $900 to walk through the door. 

Post # 10
Member
1408 posts
Bumble bee

@ieatunicorns:  I would like to pay what the insurance companies pay.  Most of the negiotiations were finalized at what the insurance companies would have paid.  

The insurance companies will negitioate a payment.  The hospital accepts it.  Why do I have to pay full price for the SAME service?  The sad thing is that most people do not know this and just pay the bill.  

 

Post # 11
Member
12830 posts
Honey Beekeeper
  • Wedding: November 1999

@lfranke:  Ohh, sorry, I misinterpreted what you said and thought it added up to like $849, didn’t realize that was only a small portion!  You can try reaching out to the doctors and see if they can reduce their fees at all.  Although, things like ER fees and stuff likely aren’t going to be reduced, because that’s how they get their money. 

Post # 12
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Sunflower–girl:  because we pay for insurance so that those companies CAN discount our prices?

If it weren’t for people running around without insurance, the premiums wouldn’t be so damn expensive (not saying this about you, talking more along the people who rack up bills and then never pay them)

Post # 13
Member
3773 posts
Honey bee
  • Wedding: December 1999

@Sunflower–girl:  This whole thing is much more complicated then a post on weddingbee could ever explain. Hospitals know insurance companies will pay, that is the reasoning they can negotiate the costs. Some hospitals will negotiate before you even receive services if you pay up front. Any ways, like I said way to complicated to hash out on here, but I am in the pay your bill camp. If you want better coverage, get a better insurance plan and pay less. But don’t have services performed and then come back and say you don’t want to pay it. You wouldn’t order lunch, get exactly what you ordered, and it was fine and then ask them to charge you less.

Post # 16
Member
1408 posts
Bumble bee

@ieatunicorns:  I have communicated with the CEO of BCBS in my region so I am aware of what happens.  There are some people that CAN’T get better coverage.  I am a level 7 risk.  My monthly premium for a non-maternity plan with a $10,000 deductible would be $2,500 a month.  Yep, $2,500.  I just want AFFORDABLE services.  

Most people do want to pay their bills.  Many people are in bankruptcy because of healthcare too…  

 

 

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