According to one study, 46 million Americans couldn’t afford good, quality healthcare.

If you need healthcare but don’t want to go into debt, you may be wondering how to lower medical bills.

Thankfully, we have some great tips for you to lower medical bills so make sure you keep reading.

Ask for an Itemized List

You should call the hospital to ask them for an itemized list of what you’ll be paying for. Just like you can get a receipt at a restaurant, you should be able to have a list of the charges to make sure that you’re paying for what you received.

To get a list, you’ll need to contact the billing department and then talk with the patient account manager.

You can then compare that with the EOB that was sent to your insurance company. If you have any questions or need to dispute anything, contact the hospital or insurance company right away.

Use Insurance

You should also make sure that you’re using the best insurance that D J Insurance Services, LLC can provide. The most coverage will often come from a preferred provider option health insurance plan.

This means that the insurance will pay for most procedures, but you’ll still have to pay a copay or a percentage. However, in order for insurance to work, you’ll need to find a doctor that is in their network.

Ask for Financial Aid

Some nonprofit hospitals can offer financial assistance programs. If they don’t, they may offer information on how to apply. However, different hospitals can set different eligibility requirements.

This will depend on what state you’re in because each state has a different set of laws. But in general, most of the eligibility requirements will depend on how much your income is.


Most people aren’t aware that they can negotiate how much their bill is worth. This can be helpful if you didn’t qualify for any financial aid.

You can contact your hospital’s billing department to try and do this. Before you call, make sure that you do a little bit of research. For example, you should offer to pay a discounted amount in a lump sum. However, you’ll have to be ready to do that immediately.

You could also try being honest about why you’re asking for help. If they don’t have financial aid, they may be able to start you on a payment plan or even offer you a discount to help you afford the costs.

Learn More About How to Lower Medical Bills

These are only a few things to keep in mind about how to lower medical bills, but there are many more things you can try.

We know that dealing with medical bills can be stressful, but we’re here to help you out.

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