Lowering Medical Bills: Quick Checklist
Your complete action plan to reduce medical bills by 30-90%. Follow this checklist, then dive into our detailed guides for specific situations.
•3 min read
80%
of bills have errors
30-90%
typical savings range
365 days
before credit reporting
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Email your bill for helpYour Action Checklist
1
Immediate Actions (Do Today)
2
For Hospital Bills
3
After Insurance Processing
4
Final Steps
Quick Scripts
Requesting Itemized Bill
"I need an itemized bill for account #[number] showing all CPT codes, quantities, and individual charges. Please email it to me as a PDF."
Negotiating Discount
"I can pay $X today if we can mark this paid-in-full. What prompt-pay discount can you offer?"
Resources & Tools
Tips for Success
Timing Matters
- Apply for charity care before negotiating
- Appeal insurance denials within 180 days
- You have 365 days before credit reporting
Document Everything
- Log every call with date, name, reference #
- Get agreements in writing before paying
- Save all bills, EOBs, and correspondence
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Our Bill Defense team handles everything. Pay only a percent of what we save you.