CommunityBrowse groupsBlogEtiquetteInvite Your friendsSuccess Stories


tips for negotiating medical bills

I have about 6 different bills from my delivery and my insurance company is giving me grief over what they will pay. Turns out not a lot. Have any of you had success getting bills reduced from hospitals, doctors, testing companies etc. Would very much appreciate any help you can give.

Tue. Sep 25, 1:43pm

Add comment  
Your insurance company shoud have a grievance process- find out what it is and use it. It might not be easy to find- I had an issue with my insuance company earlier this year and it took me quite a bit of digging to figure out how to challenge a denied claim. But, in the end they paid everything.

Usually, they'll deny a claim because you went to the wrong hospital or got a procedure that they don't cover. If these things were out of your control, you have some leverage- for example, I was taken by ambulance to a hospital that wasn't covered by my insurance, so they denied the claim. When I explained that I was unconsious at the time and had no say in where I was taken, they allowed the claim.

Ask your insurance provider to explain just what was denied and why- talk to an actual person rather than doing this by mail.

Good luck!

Tuesday, September 25, 2007, 1:53 PM

Add comment
Quick question, and sorry for being a little off sister is getting some medical care in the USA (her husband is American and lives there) We are Canadian so we have a different system.

Do you pay first, and then the insurance company reimburses you?

Tuesday, September 25, 2007, 2:11 PM

Add comment
many fctors determine how much you pay and when you are required to pay. check with the doctor's office AND the insurance company BEFORE the visit!!! sometimes you need "pre-authorization" in order to be reimbursed for can't gather too much information, but you can suffer the consequences of not gathering enough!!

Tuesday, September 25, 2007, 2:26 PM

Add comment
Typically, for routine things, the doctor bills the insurance company, and then bills you for whatever it cannot recover from the insurance company. This may be subject to a copay that you have to pay at the time of the appointment, which iis usually a very nominal amount (i.e. $15).

Tuesday, September 25, 2007, 3:32 PM

Add comment
I had an accountant-friend tell me that if you have a halfway decent argument for why you shouldn't pay a medical bill, file a small claims suit. Costs you $20 in court fees, and doctors/clinics would rather eat the loss than invest time and money in getting a couple of hundred out of you.

Tuesday, September 25, 2007, 3:36 PM

Add comment
3:36 Brilliant advice! that was exactly the sort of thing I was looking for...

Tuesday, September 25, 2007, 3:44 PM

Add comment
I simply called the hospital and explained that my insurance only covered 80% of what was allowed. They wrote off the rest of the surgery bill there on the spot and sent me a confirmation.

Tuesday, September 25, 2007, 4:11 PM

Add comment
I called up the customer service number on my bill because I don't have health insurance and they knocked the bill down 20% and gave me a way to make payments over 2 years. It took a phone call, about 20 minutes of time.

Wednesday, September 26, 2007, 2:54 PM

Add comment
unless there were forseen complications, why would a health insurance company pay for delivery costs? i mean, it's optional, voluntary, not medically necessary for a woman to get pregnant. why should others have to pay for that choice to come to life? there were nine months to prepare for the delivery and any associated costs could easily have been researched well before the bill was received. why wasn't this worked out with the hospital in advance?

Wednesday, September 26, 2007, 3:07 PM

Add comment
because if women didn't have children, civilization would hault. is that what you're asking for?

Wednesday, September 26, 2007, 3:16 PM

Add comment

Explore Related Articles
Weight Loss Motivation   Sustainable Weight Loss
Weight Lifting    Hypnosis and Weight Loss
Emotional Eating   Help Losing Weight
Free Weight Loss Program   Weight Watchers Points  NutriSystem
How To Change Anything

Related Content:

How To Lose Weight- The Basics
Weight Watchers Points System
The Fat Smash Diet
The Eat To Live Diet
The Beck Diet Solution
How To Get The Motivation To Lose Weight


How To Be Successful Using PEERtrainer

How To Burn Fat
Online Weight Loss Support- How It Works
Does Green Tea Help You Lose Weight?
Tips On Using PEERtrainer
Visit The PEERtrainer Community
Diet and Fitness Resources


Weight Watchers Meetings
Learning To Inspire Others: You Already Are
Writing Down Your Daily Workouts
Spending Money On A Personal Trainer?
How I Became A Marathon Runner


Preventive Health

How To Prevent Injuries During Your Workout
Flu Season: Should You Take The Flu Shot?
Are You Really Ready To Start PEERtrainer?
Super Foods That Can Boost Your Energy
Reversing Disease Through Nutrition

New Diet and Fitness Articles:

Weight Watchers Points Plus
How To Adjust Your Body To Exercise
New: Weight Watchers Momentum Program
New: PEERtrainer Blog Archive
Review Of The New Weight Watchers Momentum Program

Weight Loss Motivation by Joshua Wayne:

Why Simple Goal Setting Is Not Enough
How To Delay Short Term Gratification
How To Stay Motivated
How To Exercise With A Busy Schedule

Real World Nutrition and Fitness Questions

Can Weight Lifting Help You Lose Weight?
Are Protein Drinks Safe?
Nutrition As Medicine?

Everyday Weight Loss Tips

How To Eat Healthy At A Party
How To Eat Out And Still Lose Weight
The Three Bite Rule
Tips On How To Stop A Binge