How to Pay Doctor Bills

The bills for major medical tests, consultations, procedures, and operations can quickly get out of hand. To pay your bills, even with insurance, you may have to take a few steps to honor your debt. According to Bills.com, less than 15% of people ask their doctors to negotiate their medical bills, and about 40% of those who do ask get their bills reduced. Doctors will often take between 20% and 50% off for patients who pay cash, do not have health insurance and ask to negotiate their bills.

Instructions

1

Talk directly to your physician, and ask for a discount. Remember to be very polite and tactful.

2

Tell your doctor that you will be able to pay immediately if she will give you a certain percentage discount. Doctors would rather you pay something than nothing.

3

Ask for a smaller discount and a payment plan if you can pay most of the bill. If you cannot pay the bill at all, you may even receive a complete write-off of the bill from the physician.

4

Research what other doctors in the area are charging, as well as what your doctor charges a health care plan, for the same types of services. If your doctor know others are charging less for the same services, he may be willing to negotiate your bill. He may also be willing to negotiate if you can prove that your bill is higher than what your doctor would charge a health care plan would be charged.