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No health care insurance? 6 tips to deal with emergency room bills

By Gary Foreman

The New Frugal You
New Frugal You columnist Gary Foreman
Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website and newsletters. He writes "New Frugal You," a weekly Q&A column about frugal living, for CreditCards.com

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Question for the CreditCards.com expert

Dear New Frugal You,
I just got an emergency room bill and almost fainted when I saw how much it was. What can I do? I don't have insurance for it. It'll take me years to pay this bill! Is there anything that I can do to get it reduced? Or get payment terms? Something? Anything? -- Desperate Deanna

Answer for the CreditCards.com expert

Dear Deanna,
Interesting question. And, you're not alone. According to a  Center for Disease Control study released in May 2012, nearly one in five adults aged 18 to 64 visited the ER in the prior year.

How much did they spend? The American Hospital Association Resource center reports that the average cost for an ER visit in 2009 was $1,318. That seems low, but don't let the average fool you. It's brought down by the many sniffle-and-sprain treatments that emergency rooms have to perform for people with no health care insurance. If the visit includes scans and complicated tests, you can run up a bill very quickly. So let's see what we can do to keep you from having another fainting spell.

1. Get an itemized statement. This isn't like buying a house where one big price covers everything. It's more like your grocery bill: lots of smaller purchases that add up. Most of us have little or no idea how much an ER visit should cost. So we don't know whether a bill is too high or not. The only way to tell if it's reasonable is to break it down into the individual services rendered.

2. Question items on the statement. A lot happens in an emergency room. Sometimes a life hangs in the balance. The staff doesn't keep a running total on the supplies and services used as they occur. They rely on memory. It's easy for errors to occur. You'll probably have a tough time understanding the bill. Ask a friend who works in the medical field to look at your bill. That person might identify items that were unlikely to be used in your visit. Better still, if you have a good relationship with your family doctor, ask him or her to review the bill.

3. Call the emergency room billing manager. Get an explanation of any charges you don't understand. Ask what various abbreviations mean. Go over each item until you understand what they represent. You might find it worthwhile to do this step in person.

4. Compare the bill to your recollection of the visit. If you had someone go with you to the ER, ask them to walk through the bill with you. If there are items on the bill that you don't remember, be prepared to question them.

5. Ask if the hospital accounting or billing department if it audits any bills. If so, volunteer your bill for audit. Audited bills have the advantage of insiders who know the system looking for mistakes. They'll see things that you won't.

6. Talk with the billing department about removing disputed items. Some hospitals will be more willing to do so than others. Items that couldn't be used in your case should be removed. Other charges that could have applied might be harder to negotiate away.

Once you feel you have an accurate list of the items you should be billed for, it's time to see if you can't lower the amount that you pay for those items.

Don't hesitate to tell the hospital billing department that you don't have insurance (if that's true) and can't afford the bill that you received (we'll assume that's true!). Explain that you know that HMOs and others pay less than full price for services. Ask that you be given their rates. Many hospitals will be willing to work with you, especially if you agree to pay it all now -- kind of a do-it-yourself cash discount.

In many cases, paying it all now isn't even remotely possible. In that case, ask about some type of payment plan. Most hospitals are happy to extend payment terms, especially if their other option is not getting paid at all.

You might find a patient advocate helpful. Many hospitals have them on staff. Their job is to make it easier for you to understand your bill and to help with any dispute that you might have with the hospital.

You may find you'll need to speak with people in several departments, especially if it's a big hospital. Don't lose patience. Your goal -- a reduced bill -- is important. Stick to the task.

A final note for everyone on avoiding large emergency room bills: It's a good idea to see what urgent care centers are available near your home. Some things that can't wait for your family doctor don't require an emergency room visit. Staying out of the ER is one way to avoid their high bills.

See related: Getting help with the emergency room bill, 15 tips for paying high medical bills

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Published: November 15, 2012


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