Experiencing unexpected injuries can result in unanticipated medical bills and even lost wages. Thousands of people across the country have trouble managing their finances after sustaining hefty medical bills. Even if you’ve incurred substantial medical debt during your treatment, you might be able to negotiate with your doctor or hospital to help you pay your bills. Our New York medical debt attorneys have put together some tips to help you deal with medical debt after treatment.
Keep Track of Your Medical Bills
Since not every service provided during your hospital stay will be listed in your bill, it can be confusing to keep track of your expenses. For such reasons, it is important to ask the hospital for an itemized bill. An itemized bill will list all the services you are being charged for separately. You have a right to know what you are being charged for, so the hospital must provide you with an itemized bill if you request one. You should then check which expenses are covered by your insurance plan and which expenses you will be responsible for.
Negotiate With Doctor to Reduce Your Medical Bills
If you are having difficulty paying off your medical bills, you can ask your doctor for a discount or offer to send recent financial information to prove that you are unable to pay your bills. You might be able to negotiate with your doctor to reduce your medical expenses. In some cases, doctors have been able to cover a ten to thirty percent discount or completely remove interests from installment payments.
Dispute the Amount of Your Medical Debt
If you think you don’t owe some of all of your charges, you can send a letter to the collection agency within 30 days stating that you are challenging the bills. You should send a copy of the letter to your hospital or doctor in charge of collecting the debt. Disputing medical debt can be complex, so it’s important to seek legal guidance.
If your medical debt has gotten out of control, contact our New York medical debt lawyers today to get back on track toward financial stability. Get in touch with us today at (516) 217-4488!