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Negotiation Toolkit

Pick your situation and get a realistic discount target plus the exact words to use on the call.

What is your situation

Pick the one that fits best. You can try others afterward.

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General guidance, not legal or financial advice. Nothing you tap is stored.

Frequently asked

Can you negotiate a hospital bill?

Yes. Chargemaster prices can run three to five times Medicare rates, so the billed amount is a starting point. Hospitals routinely accept 40 to 70 percent as payment in full.

What is charity care?

A hospital financial assistance programme. Nonprofit hospitals must have one under IRS section 501(r). Free care is common below 200% of the Federal Poverty Level.

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General information, not medical, legal or financial advice. Rules vary by state, insurer and provider. Nothing you type into these tools is stored or transmitted.