We have discussed medical debt in our legal blog many times. We have even talked about the possibility of negotiating such debt to make it more manageable. In this post, our bankruptcy lawyers want to tell you how to begin the seemingly impossible task of getting your medical providers to cut you a break. This benefits them as much as you because it gives them a way to collect at least a portion of the debt.
First, it is vital to study all your medical bills carefully. Everyone makes mistakes from time to time, so it is possible that your bills may not be 100% accurate. If you do spot errors, contact the health care facility, and tell them about the mistakes.
Second, call the businesses to which you are indebted. Instead of starting the conversation by saying that you want to negotiate your medical debt, ask questions. The following list contains examples of open-ended questions to ask your health care providers.
- Can you waive any of the fees on my bills?
- Do you offer discounts for those experiencing financial hardships?
- Can you tell me about your facility’s charity relief plan, if one exists?
Third, talk about your options for paying down your medical debt after you have asked questions like the ones above. Hospitals, private doctors and other medical facilities in the Hixson, Tennessee, region want remuneration. In many cases, this means that they will not dismiss a patient’s honest attempt to reach a compromise.
If your negotiations fail or you are still suffering from overwhelming debt, it may be time to talk with a lawyer about other solutions for your financial hardships. To learn more, please continue reviewing our website’s content.