Receiving a medical bill charging you a large amount of money can be very scary. Most people do not have a large sum of money in their bank to pay a huge bill right away and it can make them feel nervous that the bill could cause their credit rating to plummet. If you have received a large bill and feel that you are being overcharged or simply do not understand why it is so large, talk to a medical bill advocate. The following guide walks you through a few things you need to discuss with the advocate.
Determine What the Bill Is For
The medical bill advocate will be able to go through the bill line by line to determine what you are being charged for. They will be able to review it with you so that you can let them know if there was anything that you were charged for that you did not receive. The advocate can then fight on your behalf to dispute the charges that you feel you were wrongfully charged.
Fight to Have the Amount Lowered
The advocate can negotiate with the billing company to have the amount that you are being charged lowered. They may be able to get you a discount that you did not know you qualify for or help to have some items removed from the bill that were not necessary for the company to charge for. It may take some time for the advocate to negotiate a lower amount, so be patient and give them the time that they need.
Establish a Payment Plan for You
The advocate can talk to the company to have a payment plan established for you to use to pay off the debt that you owe. You need to let them know how much you can afford to pay each month and you need to make the payments on time. As long as you are making the payments, you will not have to worry about the bill negatively affecting your credit score. If you fail to make the payments on time, they could report the bill.
It is important to talk to the medical bill advocate from companies like Medgotiate as soon as you can so that you can get the issue resolved quickly. You want to be sure that you provide them with enough time to negotiate payment information for you before the bill is reported to the credit bureaus.
Share19 January 2018
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