we want
to teach you various strategies to help you pay your bills and minimize the
stress related to this type of debt, which unlike many others, is not at will,
but is pure necessity. The main key is to first learn to negotiate and talk to
your provider. Since most of the time the total cost of medical service is
ridiculously high and unfair, if you have a frank and persuasive conversation
with your provider it can be reduced. Second, although more difficult, is to
learn to research and know the costs of services in the area so that you are
not haunted, and you have an idea of how much your provider could charge you
without being excessive.
Here are
several strategies for you to talk to your providers and manage to pay your
medical bills at a more reasonable price.
The art
of negotiating and paying
It would
seem a lie that you have to learn to “haggle” the costs of medical services.
Rather than "haggling," we want to share several techniques for you
to learn how to negotiate with suppliers in a respectful and persuasive way.
Make a
balloon payment
One of
the tactics is to offer your provider a lump sum. In other words, give a fairly
substantial sum to your provider but that is less than needhelp paying bills your total debt to them.
Your provider may be tempted to accept it because it guarantees you have cash
in your pocket. Something that is not safe if you ask them for a payment plan
since it can take months and even years to repay or they simply risk that you
stop paying at any time. And if you stopped paying them, to collect they would
have to send your account to a collection agency.
