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What To Do When You Can’t Pay Your Medical Bills

What To Do When You Can’t Pay Your Medical Bills

Medical bills can become expensive and you may find that you are not able to cover them. This leads you to being in debt and collection agencies can even be sent to recover the cost. If this happens it will affect your credit score quite badly.



If you get a medical bill that you are not able to afford then there are a few things that you should do.

Don’t Ignore It

A medical bill should not be ignored. As soon as the bill goes to collections you could lose some of your bargaining power and it can wreck your credit score.

Read the Details

When you receive a medical bill you should look over it carefully. If you need to ask for an itemized bill so you can see where the money is going.

Check the medical bill for any errors, double billing, wrong room rates and any medications that you didn’t receive.

These errors happen and will equal extra money tacked onto your bill.


You are able to negotiate with your medical provider especially when you do not have insurance. Patients that pay from their own pocket will usually have a higher rate then patients with insurance. However, you can ask for lower rates you just need to ask.

Speak to the Billing Department

Medical providers don’t want to have to get collections involved, which means they are willing to work with you. Doctors and hospitals generally have protocol in place so that payment plans can be set up. This allows patients to pay their bills without having to go through collections.

Speak to the billing department and tell them what you are able to afford each month and see how they can work with you.

Negotiate Again

If you are not able to avoid a medical bill going to collections then you should wait and then negotiate with the collections agency. You should tell the agency the amount that you can afford each month.