Question 1

Can you negotiate medical bills?

Accepted Answer

Yes. Medical bill negotiation is legal and common in the US. Hospitals set chargemaster prices far above what they expect to collect, creating significant room for negotiation. Most patients can reduce their bills by 30-80%.

Question 2

How much does medical bill negotiation cost?

Accepted Answer

MedErase charges 25% of savings for bills under $5,000 with no upfront fee. Bills $5K-$15K require a $299 refundable deposit plus 25% of savings. Bills over $15K require a $499 refundable deposit plus 10% of savings. If we can't reduce your bill, you owe nothing.

Question 3

How long does medical bill negotiation take?

Accepted Answer

Most cases resolve in 2-6 weeks. Complex cases with insurance appeals or extensive medical record review may take longer. We immediately request a billing hold to protect your account from collections during the process.

Question 4

What is charity care and who qualifies?

Accepted Answer

Charity care is financial assistance offered by nonprofit hospitals under IRS Section 501(r). A family of four earning up to approximately $111,000/year typically qualifies. 6 in 10 US hospitals are nonprofits required by law to offer this assistance.

Question 5

Can you negotiate a medical bill in collections?

Accepted Answer

Yes. Medical debt in collections can still be negotiated. Under 2024 CFPB rule changes, medical debt has reduced impact on credit reports. We negotiate with collection agencies and original providers to settle for substantially less.

Frequently Asked Questions

General

Process

Charity Care

Billing Errors

How It Works

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