Negotiate Medical Bills - Get Rid of Medical Bill Debt Without Bankruptcy
Filing bankruptcy is surely not the right way out for taking care of serious medical bill. It will have a awful effect on your credit ratings and dampen your chances of receiving a loan or a job in future.
Most people will not think about negotiating even when their medical bill is out of their capability to clear. To negotiate medical bills with the health care provider for a medical bill is not any different than negotiating with a vendor who’s selling you something.
First step in negotiating medical bills is to go through a detailed statement of your bill to look that you are only paying for services that were provided to you. You should also check with Medicaid to make sure that the medical provider has not charged you extra for any service. Also ensure that you are aware what expenses of the bill will be covered by your insurance carrier.
Secondly, you need to negotiate medical bills in an approach that is delicate yet effective. Note that screaming and yelling at service representatives will not make things any beneficial for you. Instead, you should pay attention to convey the point that the bill is simply too excessive for your paying ability.
Be upfront in negotiation process. Maintain a record of your past conversations about the concerned matter and the name of the person you have spoken to. Always know that it’s a bad idea to negotiate medical bills on phone.
At last, don’t be vague in what you strive for. You have to be perfectly clear about what you want from the doctor’s office.
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