r/HospitalBills • u/Slugclub50 • 6d ago
Is it to late
My bill went to a collection company, is it to late to call the hospital and try to work out a lower payment
2
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r/HospitalBills • u/Slugclub50 • 6d ago
My bill went to a collection company, is it to late to call the hospital and try to work out a lower payment
2
u/ElleGee5152 6d ago
I would try to work with the collection agency. If this has been billed through your insurance and there aren't any errors (balance due matches what your insurance says is your responsibility to pay), the hospital very likely is not going to pull it back. Most hospitals will only hold debt for so long, even if you're making some kind of regular payment. This is why their payment plan amounts can be ridiculously high.
The good news is that collection agencies are often authorized to offer a discount in exchange for payment in full or can try to get a larger discount negotiated. They are almost always willing to set payment plans with smaller monthly payment amounts than a hospital will.