How to Cut Down on Your Medical Bills
Whether you’re heading to the doctor for the common cold or need to have an X-ray of your hand taken, you’d be amazed how high those bills can get. They’re not exactly a wonderful surprise to receive in the mail, and the high price tags leave you wondering why you even bothered to go to the doctor in the first place.
Luckily, there are a few ways that you can cut down on those healthcare costs and end up with much lower and more affordable medical bills.
Check For Accuracy
Everyone’s human, so mistakes are sometimes made on medical bills–you just have to be the one to catch them and get them fixed so that you don’t end up overpaying for the services you received. Carefully review the bill before submitting your payment. This may include doing your own research.
Figure out what’s normal to pay for certain procedures, and if your bill is way outside of those average numbers, you may want to get in touch with somebody to figure out if that was a mistake.
Many people don’t think of medical bills as something that you can negotiate, but there are ways of working with the doctors and medical professionals to reduce the price. In fact, some hospitals will cut a bill in half if you pay in cash on the day you receive the services.
Be Picky About Where You Go
Your medical bills could vary greatly depending on the hospital or doctor’s office that you choose to visit. For example, emergency room appointments are often much more costly than a trip to your local urgent care center or a convenience-care clinic.
There are ways of comparing and contrasting various hospitals and providers using online tools. Cigna and Aetna are two websites that allow customers to search for the price of a service by ailment so that you can get the proper treatment for an appropriate cost.
Come Clean with Your Financial Situation
Many people aren’t aware of the power they have to change their healthcare bills. Instead of agreeing to pay for a bill that you simply can’t afford, call your doctor or hospital to let them know about your financial situation.
Most of the time, they’ll be willing to alter your bill as long as you’re willing to pay the bulk of it. Some providers even set up interest-free payment plans where you can slowly pay off the service.