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Heath Care Pricing Transparency and Consumer Rights: Negotiating and paying the bill

Negotiating the bill

Assuming you have done the research and concluded that the bill is correct, it might still be more than you can pay by the due date.  You have legal protections with regard to medical debt.  If you pay off your medical bills with a credit card, you are converting medical debt into credit card debt and possibly losing those protections, for example with regard to how it might appear on your credit report.  See more information at the U.S. government's Consumer Financial Protection Bureau website.

If you cannot pay in full by the due date, ask the provider about  financial assistance and/or set up a payment plan. Here is an informative NPR video on how to negotiate a medical bill.  Non-profit hospital systems are required to offer charity care to eligible individuals in order to retain their tax-exempt status.  The American Hospital Directory indicates whether a facility is non-profit or some other type, such as government controlled, corporate, etc. 

In addition, you could look into other forms of government assistance for people unable to pay medical bills on



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