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Payment plans and negotiating a bill

Ask before it goes to collections.

5 min read

If a correct bill is still more than you can pay, providers are often willing to help, especially before a bill goes to collections.

Things to ask

  • Is there a discount for paying in full now?
  • Can we set up an interest-free payment plan I can afford?
  • Do you offer a self-pay or prompt-pay discount?
  • Am I eligible for financial assistance?

Be careful with

Medical credit cards and loans offered at the front desk. Some have deferred interest that can be expensive if not paid off in time. A provider's own payment plan is often better.

General educational information, not medical or insurance advice. Dime and Dollar isn't paid by any insurer, provider, pharmacy or discount program.