Get Up to 100% off of Medical Services by Negotiating with your Doctor or Hospital

With rising out-of-pocket costs, haggling with your hospital or doctor’s office might seem like a necessity. Despite this, many people will just accept doctor’s bills without a second thought. However, if you put a little thought and energy into negotiating your medical bills, you can reduce them or get them 100%. forgiven.

Most don’t know it, but negotiating with your doctor or hospital can go a long way for a little bit of time and energy.

Know the REAL Costs

Sites like Healthcare Blue Book  fair price and Vimo will give you an idea of how much money medical services should cost based on the discount that the average insurer receives. By knowing the actual cost of services, you will know if your doctor is overcharging you or not. Also, having this information can help you determine how much of a discount to ask for based on your bill when negotiating with your doctor’s office. This is also how to negotiate medical bills after insurance.

Do NOT pay with a Credit Card

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Putting just a little thought into it can help you save thousands if not hundreds of thousands!

The next step in the negotiating process starts before you talk to your doctor’s office. Make sure you plan to pay in cash or via your checking account. Paying with a credit card gives you less upfront negotiating room with a doctor’s office. Having the money in hand makes doctors offices want to negotiate and work with you. It is also good to pay with what you have on hand because you might end up paying more in the end with credit card fees than your discount was worth.

Use KEYWORDS to secure a discount

Once you have the money upfront and pricing reference points and before you’ve committed to the procedure call or visit the billing office for your doctor or hospital and try to negotiate your bills. Do this before receiving treatment.

Being clear, upfront, and confident can go a long way. Saying something like, “Wow, these bills are very expensive, is there anything you can do to make it more affordable?” is a good starting point. Or say something along the lines of:

“My insurance is not going to cover this part of the treatment, so I’m paying for it out of pocket for care, can I get a better price on this?”

Using key phrases such as, “expensive,” “out of pocket” and, “affordable price,” helps convey what you want and need and usually are the kind of words that trigger the billing department into being willing to negotiate with you.

negotiating with your doctor
Use keywords to secure a discount on your medical bills.

Making it personal can help as well when negotiating with your doctor. If you’ve chosen a doctor due to their reputation and recommendations from friends, mention that. If you’ve recently lost your job, tell the billing office. These things might make the billing staff more willing to give you a break.

One great way to secure a substantial discount is to offer to pay upfront and out of pocket for the services in exchange for a discount. “I can pay upfront in cash,” is the best way to begin a conversation to secure the largest possible discount. People have reported getting a discount of up to 50% on average using this strategy.

Financial Assistance isn’t just for the POOR

In a hospital, your motto should be ‘just ask,’ for instance, you should just ask if you qualify for financial assistance. Those programs are not just for those in poverty. Someone who earns $100,000 per year but has $50,000 a year in medical expenses may also qualify for financial assistance programs, so always, just ask. You never know how much you can get until you just inquire about what qualifies you for certain medical services.

ASK about Payment Plans

If you still have a rather large bill after successfully negotiating for a discount you want to ask for an interest-free payment plan next.

Asking for a payment plan leaves you with a huge advantage. It allows you the ability to renegotiating an even bigger discount later down the line. This can lead to your bill being completely forgiven just by negotiating with your doctor just once more.

After making timely payments on a payment plan for six or more months, you can then write to billing office and explain your situation. Tell them how long you’ve been paying for, how much more is owed, how much has been paid and then ask them to forgive the remainder of the bill. Sometimes, you can get lucky and the doctor’s office will either offer you an even larger discount or will forgive the remaining balance on your account entirely.

Here is a sample letter request discount medical bill:

To <doctors> Billing Offices:

My name is <your name>. I have been steadily making payments of <amount> for my bill of <total amount> over the past <number of months> months. I have faithfully paid promptly each month. I am writing because my family is going through a difficult financial period and was wondering if you could please consider forgiving the rest of my balance due.

Best Regards,

<Your Name & Contact Information>

Negotiating with your Doctor

Do not be afraid to ask! People sometimes worry that they’ll let lesser care if they ask for a discount from their doctor.

Do not be afraid to ask! People sometimes worry that they’ll let lesser care if they ask for a discount from their doctor. The truth is doctors are just happy that you’re willing to pay the bill and not walk out on it that they are more than likely ready to work with you to help you pay for services accordingly. Also, remember, medicine is a service industry, and doctors want their patients or customers to be happy with both the services received and the price of those services!

You never know what can happen, at worst your doctor can say no and at best, you can end up saving a lot of money on medical costs. This is how to get medical bills forgiven as well. You never know what might happen.


The moral of the lesson is that it never hurts to ask, you never know! Click To Tweet Use keywords to secure a discount on your medical bills. Click To Tweet Putting just a little thought into it can help you save thousands if not hundreds of thousands in medical bills! Click To Tweet
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Danielle Faith is a graduate of the The University of California, Los Angeles with a Degree in Cultural Geography. She know how your location in life (race, religion, economic status, etc.,) influences how you view the world. Today, Danielle Faith is freelance writer and marketing consultant. She specializes in new media marketing and self-improvement. Not to mention, she has a knack for clarity, and over ten years of experience. Danielle has personal experience with chronic pain and illness. Danielle is a survivor and optimist as well as persistent and driven. When she puts her mind to something it gets done. When she is not writing or checking what’s new on social media, she’s listening to music and relaxing with her dog.

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13 Comments on "Get Up to 100% off of Medical Services by Negotiating with your Doctor or Hospital"

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Kathleen Smith

This is very helpful to know. About a year ago, I had a pretty serious injury and my health insurance provider refused to cover it. The bills ended up reaching almost $10,000 in the end. I was to afraid to ask for a discount, because I felt the care the doctor provided would be worse/lesser (as mentioned above). Next time, I get large fees for health care I will make sure to keep these helpful pointers in mind!

Robert Jones

I have a very basic health insurance plan. It doesn’t cover very much and I usually end up paying most of my medical bills out my own pocket. I have tried negotiating with my doctor’s office before and this usually works. They don’t discount much but usually they take off at least 20% to 30%. As long as you explain the situation you are in, most of the time they are very compassionate and understanding.

Samuel Gray
A few months ago, my girlfriend was diagnosed with a chronic illness. Both of us have jobs which don’t offer health insurance or any health benefits. The health insurance she was insured with was extremely basic and barely covered anything. The treatment for this illness was very expensive, almost costing over $2000 a month. We have barely been able to cover these fees, and have ended up having to take high interest loans. These tips seem very helpful. I will definitely try to negotiate in the future with my doctors office. I will make sure to thourghly explain our situation… Read more »

This is very helpful advice. This is something that I am not super educated on so I really learned a lot reading your article. I agree that it is important to know the real costs! Thank you so much for sharing this information

Julie Plagens

We use A medical sharing program. Best thing we ever did. I do all of this and it works!!


This is all very helpful information, I was just in the hospital with my grandpa last week and it would of good to know all of this when I was back there with him. Thanks for it.

Cathleen @ A Taste of Madness

I am glad I don’t need to deal with this. I feel like medical care in Canada is way more fair on us!


Thanks for the helpful information, important stuff!


Good tips and good to know. It doesn’t hurt to ask, at least, a discount is a big help for medical expenses.

Tony Wilson

Medical billing is so complex that it’s spawned a new industry of professional bill reviewers. Some great tips to consider.

Tony Wilson

Medical billing is so complex that it’s spawned a new industry of professional bill reviewers. Some great points to consider.


Great article, these are some great tips to give my patients at work. I hear so many stories about medical bills and I don’t know how to help. Thanks