Even if you're covered by insurance, you might be out of pocket for a lot if your doctor is out of network.
But just as big employers and insurance companiesnegotiate prices down as a matter of course, individuals can bargain with doctors and hospitals, too, says Erin Moaratty, chief of external communications at the nonprofit Advocate Foundation.
But just as big employers and insurance companiesnegotiate prices down as a matter of course, individuals can bargain with doctors and hospitals, too, says Erin Moaratty, chief of external communications at the nonprofit Advocate Foundation.
Ideally, the time to make your case for a discount is before you go in for a procedure. Call the medical facility and ask for the projected fees; if you have insurance, contact the company next to find out how much it will pay. Then talk over your situation with the billing department, requesting a break.
You might win as much as 50 percent off full price if you offer to pay quickly by cash or check. Providers accustomed to accepting less than they'd like from insurers often realize that getting payment without hassle or delay is preferable to waiting for the full amount or having to hire a collection agency.
More tips at the link.
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