Content Overview 
- Summary
- When You Need Routine Medical Care
- When You Receive A Medical Bill
- When You Have A Hospital Bill
- When You Have To Pay A Doctor
- When You Need Lab Tests
- When You Need Diagnostic Tests Such As X-Rays, MRIs or Mammograms
- When You Need A Medical Device Or Home Equipment
- When You Receive A Medical Treatment
- When Choosing A Health Insurance Policy
- When Using A Health Insurance Policy
- When You Need Medical Supplies
- Tax Advantage Plans Such As A Health Savings Account Or A Flexible Spending Account
- If You Get Paid On An Hourly Basis
Health Care: How To Save Money
When You Receive A Medical Bill
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Check for errors in the bill
- According to Money Magazine, auditors have found that about 80% of medical bills contain at least one error. Errors can cost you thousands of dollars. This is particularly true of hospital bills. To learn more, see Hospitals 101.
- If the task is too complicated for you, hire a professional.
Negotiate what you owe
- A bill for health care services is no different than other bills for services you need. Bills are negotiable.
- Learn the price others charge in your area before negotiating. It is helpful to your cause if others in your area charge less for the service.
- If you can offer to pay cash, you can generally negotiate a lower price.
NOTE: Consider hiring a professional who negotiates medical debt. These provessionals generally do not get paid if they do not save you money. They work for a percentage of the amount you are saved. To learn more, click here.
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