Has anyone negotiated their hospital bill even with insurance?

mattmck90 · 19時間前

Said I couldn't afford Payment (I really couldn't) and they sent the bill back to negotiate. Went from roughly 4k to $150.

supermutiny · 18時間前

-> In a previous job I was IT support for a large medical facility. I worked closely with the financial departments. They would almost always work with people trying to pay their debt. Something to think about. When this facility was near the end of the fiscal year, they would always try to get as many debts off the books as possible. So the manager would come in and remind everyone that if any debt under $2500 offers to settle, try to get the most possible from the settlement and the make a deal with them to get this account off the books. So, I know they will deal with you, you may just have to pay monthly until you catch them in the right fiscal time of year.

hottoddy4me · 20時間前

I mean, the payment plan is your best option.

You can try to negotiate with the hospital if you have a good chunk of money to offer. You can offer to pay (let's just use a number) $4000 right now if they lower your bill to that amount.

PoppaDiesel · 19時間前

Ask them if they can do a courtesy adjustment. I called like 4 times before I got a rep that would do it but she took 20% off.

jaimacho · 18時間前

I ask for help and adjustments on every hospital bill and have about a 50% success rate. Worst they can say is no and you pay the full amount.

finalDraft_v012 · 19時間前

Have you spoken with your hospital's Financial Aid person? It took me some time to find out who this was when I had to do this. I mean, it literally took me weeks to figure out she even existed and where to find her. She had me fill out a form, after I told her how I can't afford this $8k+ (after insurance paid) bill they had sent me. A few weeks later, that $8k was forgiven. I don't know if I just got lucky, but it's worth a shot.

heavyvisuals · 18時間前

My coworker had a giant bill after having his kid. He went down to the insurance dept and offered to pay in full right then and there if they gave him a discount. They cut off 40%

Frugalista1 · 17時間前

Mine was a copay, I was in the hospital around 45 days last year, $295/day. I'm on SSDI, there's just no way.

I called and they basically forgave 90%, I'm paying the rest $100/mth.

Just call them. It can't hurt.

throwawaybutofcourse · 18時間前

Definitely try to get financial assistance even if you don't think you qualify. My husband had an appendectomy last November and we had a $12,000 deductible. Although we do okay financially, we were able to get the bill down by 75 percent. The worst that can happen is they tell you no.

ekitchen0 · 17時間前

I work as a patient financial advocate for a non profit community hospital. Part of our mission is to provide reduced and free health care to those that qualify, which mostly is just gathering paperwork on my end. I would suggest talking to the hospital billing department and seeing what programs they have in place. Every dept will do things differently, but in my area there is discount program that partners with three local hospitals and a few other providers, and most people don't know it's around.

JRclarity123 · 16時間前

I got a $600 bill down to $150 once, but that wasn't the hospital, that was the anesthesiologist. The hospital just told me that my $50 a month would be just fine and said they weren't interested in a lump sum.

quedra · 11時間前

In September of 2012, I had to go to the ER.

About a month later, I got a statement. Not a bill, just a statement. $13000. Waited around and a month later, I got another statement. This one was for less money, I forget the amount. Still, no bill yet.

At first, I was concerned that these were separate statements, like the ambulance or doctor, something.

After 6 months, (mostly because I forgot about it because I never got an actual bill) I finally called the hospital and asked wtf.

They just said the amount was correct and not to worry until I got a bill.

But the amounts on the statements kept getting smaller.

Then I got the final statement and it said $0. I called the hospital and that's when they told me that an anonymous benefactor had paid my bill.

I was floored, to say the least. Not sure how this may help you, but maybe your hospital has some kind of similar program or whatever it was.

Miller_teach · 17時間前

A friend of mine, who is a nurse told me, that often there are people who donate funds to the hospital for those that have difficulty making payments. Long story short... my wife had an emergency gallbladder removal, and it was during a time when our insurance was far from great. I called the department of the hospital that deals with finances and payments, and basically just explained that we were having difficulty paying the cost. Truthfully we were, and I think I needed to provide a copy of my paycheck and some other things. I am a school teacher with 3 kids (just as some background), and they called a couple of weeks later to say our balance had been taken care of by a hospital donor. Hopefully the person seeking help is honest, because I would hate for anyone to take advantage of these types of services.

andrew_Y · 17時間前

We recently settled our hospital bill. It was more stress than it was worth. We refused to pay the bill because our deductible was x amount for the tier plan at the hospital. Turns out it was the wrong tier. Lesson learned to get something in writing about that.

Anyways the bill got sent to a collection agency. I made a deal with them the day before it was to be reported on our credit (they gave 30 days to pay). They gave 15% off the total. Good enough for me.

xGiaMariex · 14時間前

People are definitely giving good advice. If you can pay a lump sum (offer them $4500 instead of the $6800 if that's an option) chances are they'll like to get their hands on most of it at once rather than spend the time trying to track their money down. Another option is to prove financial hardship and ask for a discount for that. You can also ask the physician themselves to give a discount or wave part of the fee due to hardship, depending on your situation. Also--ask for a detailed bill and go through it with a FINE-TOOTH COMB. I guarantee you there is at least one charge on there that is either completely ridiculous or you've been billed for something that never happened. Billing mistakes happen really often and aren't caught.

Matchboxx · 14時間前

Yep. When my fiancee had garbage insurance (Cigna) it was like $350 to see our PCP when she had bronchitis. At the time, we were pretty strapped, so not only did the doctor even agree to do some tests without even entering them into the computer to be billed, but when we called to say that we couldn't afford the $350 bill we received, they just said "okay, how about $175 and we'll just call it even?" They didn't even blink. There was no negotiation, really. It was just, we can't afford that, so they gave us 50% off and called it a day.

Note: This was with a major health services corporation that owns most of the hospitals and individual practices in my area, so they were indeed bathing in money and the other $175 was probably nothing to them.

yourmomlurks · 14時間前

Hospitals collect, on average, 40% of every dollar they bill. There's no way they won't accept a lower payment. Basically with what your insurance has covered, they are getting free money now.

What I did when I had my baby was I wrote a letter for some of the bills. I got easily a dozen different bills. For some of them, I just couldn't figure out what it was, or why my insurance didn't cover it. So I wrote a letter with my legit question.

I never heard back from those letters. The bills just stopped coming. I paid the other ones.

externality · 12時間前

Maybe your husband should exercise some personal responsibility and not get appendicitis.

Plaid1 · 17時間前

I had a friend let hers go into collections. Almost. They called many many times threatening it and she basically said what she would pay. First she had requested an itemized bill. $200 for Tylenol. That's b.s. So she ended up giving them 20 percent of her bill.

stealth_queen · 14時間前

Yikes. God bless the NHS.

mndtrp · 18時間前

I had a bunch of medical bills from various places over a couple of years. Every one of them I called the billing office and asked if there was any way to cut the bill down. Some were unwilling, while many others did if I paid the adjusted amount in full. I was not offered a discount as well as a payment plan, it was always one or the other.

jwax33 · 17時間前

You can negotiate hospital bills like anything else. You can try to get the balance reduced, get a payment plan on the reduced amount, etc. Ask if your hospital has a charity or financial aid program. Many hospitals do and depending on your income/expenses may cover all or part of your bill.

danfirst · 14時間前

I had zero luck with this and I'm a fairly decent negotiator. Had to deal with a family member accident / surgery last year. They hit the out of pocket max (4500). I called each person that billed them, hospital facilities, surgeon, anesthetic, etc. Not a single one would budge even for a 1 day in full payment. Each one told me they already discounted for the insurance company and they weren't allowed to lower it any more as long as it was still part of their copay / OOO max. I called each one a few times, tried different people, etc, no luck.

Only one of them mentioned a financial need plan but you'd have to already be registered with the county and getting county need based services and such. I ended up just paying it all in full.

bureX · 12時間前

Is there ANYONE on Reddit who is satisfied with the US healthcare system? As in... "I didn't have to pay thousands of dollars to get medical care"?

MarriedIntoTrashyFam · 17時間前

I did recently with a doctors bill. They cut a $600 bill to $300.

Mirmadook · 15時間前

I haven't, I had two insurance companies and when I had my baby I still had a bill of $1500. The hospital refused to help out in any way saying if I could afford two insurance premiums then I can afford the bill. This was Hoag. They are assholes.

HarlowMonroe · 12時間前

Ask for a detailed breakdown of the costs. I had an emergency appendectomy, received terrible care, and was overcharged. Breakdown revealed that they charged me for a whole additional day (at $2k) even though I was supposed to be discharged at the 20 hour mark. Long story short, my doctor went MIA and didn't show until I'd been there for 26 hours. They also billed for medicine I declined. I read their billing department the riot act and it was reduced down to $2k out of pocket from $6k. Our medical system is a joke.

trapped_in_a_box · 16時間前

If the hospital is in network with bcbs, they are contacted to bill you the full amount. If not, they might give you a 20% discount.

Source: 13 years of medical billing

ChairmanMeow23 · 15時間前

They took 30% off if I paid in full after calling to negotiate. Good luck!

kemistreekat · 13時間前

If you call them you can sometimes get a discount if you do it in a single or couple lump sum installments.

I had $3500 bills due, but they were able to reduce it down to 4 payments of $500. When I called to ask them about it, I asked what it would cost if I could pay off the entire amount immediately. They're happy to get a big payment for less instead of 40 smaller payments. In the end they could give me a total 4 installments tho which wasn't so bad.

GRZMNKY · 9時間前

Yes. I was in a major accident, years ago in another state. I was a passenger and the driver's insurance didn't cover everything.

I called in after finally getting a bill. ( I moved right after the accident). At first they offered a payment plan which would have essentially made me pay minimal payments for the rest of my life. After waiting a few days and calling back, they dropped my bill from $12000 to $450. And then let me know that the driver's insurance would cover it.

The worst part was the leg work to get the bad marks off my credit.

pdxchris · 9時間前

Yes. Always negotiate. The worst thing they can say is no.

Typically it takes filling out a short form and a copy of your bank statement and last year's taxes.

Adventure_Lover · 9時間前

The way I see it, everything is negotiable. Just make sure you get them to make the first offer, and then offer then half that, and then try to meet in the middle. Here's the script I would use:

You: "I understand the bill is $6,800. I'm sure you understand we are tight on money right now. Is there anyway you can lower the bill?" Them: "Yes, we can. How about $4,000" [this might be lower then you are expecting, but still, negotiate it down further] You: "How about $3,000"? Them: "Let's split the difference to $3,500?" You: "Deal!"

I once had a $3,000 medical bill. I called them up, and expected to negotiate down to $1,500. I let them make the first offer, which was $250. I counter-offered them $50, and they asked if I can pay $100. I agreed. Everyone's happy.

What do you got to lose by negotiating? Nothing!

dogdragon · 14時間前

Originally from Australia. Had appendectomy in 2007. Spent almost a week in hospital. Cost absolutely nothing. At all. My mum bought the night nurses coffee, but no medical costs. Living in the US sucks with the healthcare

KILLSBITCHES · 16時間前

Yes, it can be done. Typically they lower it anywhere from 10-50% if you offer to pay cash up front. If you can't afford it at all you can ask your hospital if they have a Financial Services department. I've helped extended family members get their bills down to 0% in some cases. In other cases they've dropped it from $500-$5,000 to $0-$300. And all they had to do was fill out a financial form and provide tax return forms and bank statements.

ArtTakesTimeDammit · 16時間前

I had a $1500 deductible in 2016 for an ER visit. When I got the bill I called the billing department and said "hey, all I can pay is $75/month" to which they fairly quickly said "ok, no problem". I could've paid it off all at once if I really had to, but I'd rather pay slowly on essentially a no-interest loan from my healthcare provider. I just have to remember to pay it off faithfully so any unpaid balance doesn't end up on my credit rating.

zim3019 · 15時間前

My Aunt offered a lump sum to the hospital after my uncle died of cancer. They took it. She ended up paying quiet a bit less.

skartop · 15時間前

I was able to negotiate my bill to about half of the cost.

I think that the explanation of the hardship and that you can probably scrape together an amount and pay it off or that it's going to take a long time of monthly payments. Most businesses are going to want as much money in the quickest time frame. So the prospect of a very slow repayment process usually helps drive the decision.

pdxp2b · 14時間前

What the hell is your plan OOP maximum for the plan year?

Easter_Passed · 14時間前

My neurologist has discounts for paying up front, in full, and in cash. I guess I'm not really negotiating but a 180 dollar bill goes down to $120.

jgatcomb · 13時間前

I accidentally got a 2% discount for paying in full the day I was in the ER.

As I was walking out I realized no one had attempted to collect my co-pay so I asked around until I found someone who knew how to take money. When I asked her why I wasn't charged the right amount she said - everyone gets 2% for paying in full without having to go through billing.

I recognize that 2% isn't going to help you out at all but the key to my story was finding the person that knew how to deal with the problem because everyone else was content to let billing handle it.

userd · 13時間前

Does your plan have max out of pocket? It must be very high.

and_one_more_thing · 11時間前

I sent a letter stating that they were illegally balance-billing me for an ER visit. They did not respond, and simply sent me to collections.

MisterJimJim · 9時間前

I had insurance and my copay for the ER was $500. I told them I couldn't pay it all at once, but that I could do payments. They said it was too low for payments so I asked them for a discount. They said yes and gave me a 20% discount. You can try asking them for a lump sum discount.

Cliche_Bitch_Tits · 3時間前

I just spent 11 months negotiating mine ($2100) down to zero. It was annoying, but getting the letter in the mail yesterday saying that we don't owe anything anymore was really awesome. It ended with us filing for Medical Financial Assistance through the hospital itself, look on their website or call them directly, every hospital should have it. It requires a lot of paperwork and what not, but in the end it was worth it! - Oh and accepting a payment plan does not negate this either, you'll be fine. Fight the good fight.

relrobber · 3時間前

It's been my experience that if you just keep making your payments that the hospital around here will eventually just write off the balance. (I only paid for half of a CT scan when I didn't have ins.) My wife usually tells them we can only pay $20/mo, and they're fine with that. She has also been pretty successful at getting the hospital to write off the portion not paid by our insurance.

justcurious02144 · 2時間前

I work for a personal injury attorney. Very often we try to get the co-pay bills reduced by saying things like "XYZ insurance has already paid $xyz, which is xyz% of the total bill. Kindly reduce Mr. Xyz's outstanding bill to (super low number). Please contact us to discuss this matter." The issue is that insurance companies never ever ever pay retail for things, so providers try to make up the balance by billing the patient. My biggest advice is to be polite but stern, take notes each time you call (time/date/name of person you spoke to), and stick up for yourself.

2456 · 1時間前

I did my chemotherapy through Ochsner and had quite the bill afterwards even with insurance. (Especially with my insurance wanting to deny it at first.) And I still get 1-2K bills for the labs i take every 6 months. But they have financial assistance form you can fill out along with providing proof of your income. Then based on that they reduce it a percentage up to 100%.

So definitely check even if you have insurance!

michjames1926 · 16分前

I remembered reading this from another subreddit. Finally found it in my saved folder...

Hospitals and doctors office bills in the U.S. can be negotiated, and many will offer huge cash discounts if you pay at the time of service. But once the insurance gets billed, there is much less room for negotiation. If your bill gets applied to the insurance deductible, then the facility, by law, is supposed to collect the full amount that was applied to the deductible from you. Also, if there's a co-pay, the facility, by law, is supposed to collect that as well.

For the average person on a high deductible plan ($1000+), you'd have to get cancer, or be in a huge trauma for the insurance to kick in any meaningful payment.

Insider advice: when you make an appointment at a doctors office, ask if they have a "point of service" discount. Also, if you go to a hospital, don't let them know you have insurance until after they give you the bill. Do the negotiation first, then do the math and see if it's cheaper to pay out of pocket. If not, the facility has 6 months to bill your insurance after the date of service.

Edit: this whole thing doesn't work for providers that strictly see in-network patients, i.e. HMO's.

littlemsmuffet · 16時間前

It was a very minor bill we got after our daughter was born. They charged us $50 for the phone for two days. I fought it. We didn't use it and I dislike paying for something I don't use

cloverlief · 17時間前

The best answer is it depends on the hostpital.

If it is a non profit like Swedish and you have hardship related to the bill they may be able to work with you.

Depending on your income the may even cover part of it.

However if it is a standard for profit hostpital, then a payment plan may be the only option.

bahzew · 16時間前

Yes. I have an admittedly sweet student health insurance plan, but am also living on a grad stipend. I have had two large (for me... around 2k each) post-op bills forgiven by submitting an application for financial assistance. I had to provide proof of pay stubs and my bank balance. Even if it hadn't been forgiven completely, this hospital (Northshore, in IL) has a sliding scale. I'd say it is totally worth applying for, on top of talking with the billing department to arrange payments (if you end up not qualifying for complete forgiveness).

ql3 · 10時間前

In Colombia, I was hit by a taxi and suffered a broken hand. I went to the emergency room (San Ignacio in Bogota), got X-rays, was seen by a doctor who wasn't certain about my weird break so I saw an orthopedist, the orthopedist said my hand should be set a certain way, put a cast on, and then sent me for more X-rays which the orthopedist then reviewed. Total cost without insurance: $70. WTF is going on in the US?

suckittt · 15時間前

Yes. I agreed to a bunch of blood tests I didn't really need. I was younger and didn't think about what it might cost. Turns out, it was a ton. When I called and said I didn't have that kind of money, they knocked off a lot. Can't remember how much exactly, but it was a lifesaver.

nishath5 · 15時間前

/r/personalfinance may be able to help you with this.

ccc_dsl · 15時間前

Yes I have gotten hospital bills lowered by 40%. That was after insurance

rent24 · 14時間前

My story doesn't have a high amount of debt like the rest but when I was 18 years old I got 14 stitches on my face (long story). I was a runaway kid and wasn't insured. I guess my bill was sent to my grandma because I used her address. 800 bucks is what I was billed. As a part time minimum wage worker living out of a car out the time, there was just no way I could pay that in the amount of time they gave me. I called the billing department and I was just honest with them. Told them about my financial situation and my grandma got another bill but with a zero on the bottom line. Had no idea that would work. You never know what they might tell you. Based on the above responses, sounds like most places will work it out with you. Like one post said, just be honest and the worse they can tell you is no.

liquidhot · 13時間前

I do this all the time. Ask for a discount for paying it all now or a cash discount. Then if they say no, ask for a payment plan, then call back after the first payment and ask if you can get a discount if you pay the remaining balance. Try a couple times if it is a big bill. It is hit or miss, but I've saved thousands of dollars this way. I've never not had the money to pay it all, but asking never hurts, so I do.

Also, be polite and just explain you're looking for a way to make this easier on your budget.

doodledeedoo3 · 13時間前

I am having surgery soon and will be in the same boat - total cost is starting at $38,000 but depends on what exactly happens during surgery (we won't know fully until surgery) and I'll be responsible for $11,400 of that. I think I'm borderline on qualifying for low income assistance at the hospital - but I want to make sure the doctor is being paid adequately because he is very skilled at this type of surgery. Does anyone know if the doctors get paid less or is it just the hospital as a whole who takes the cut?

Summer95 · 12時間前

I had an accident in 2011 and a hospital bill of about $145,000. The insurance company discounted it to about one-third of that. I only paid $2,000. The ambulance was out of network and subject to a separate deductible. The bill was $800. I waited until late in the year and negotiated it down to about $200. For whatever reason, they like to close all the bills before year end. Your best chance is to make an offer that you can pay right then. They usually don't want to go the monthly payment plan and would prefer to negotiate and close the books on it.

Had another accident in 2003 with a bill of about $18,000. I negotiated my part down to a small percentage.

ilovetpb · 12時間前

My father in law, who is normally a very hands-off kind of person, got a bill from the hospital for his cancer treatment for $375,000, and that was after insurance paid their portion - the total had been over $650,000.

He spoke with the hospital, and over two weeks managed to get his portion whittled down to $60,000, which he is making payments on. That's still a ton of money, but it's less than 20% of what he'd initially owed.

NotKeyboardCat · 11時間前

Yeah just don't pay it and wait for it to go to a 3rd party collections agency. I had a 5000$ hospital bill get dropped to about 200$ by just waiting a few months to pay. The collection agencies buy the debt for pennies on the dollar and will take most anything to get paid because they paid almost nothing to buy your debt to the hospital.

ghostpantstoastdance · 11時間前

Yes!! I asked for an itemized receipt and was very patient but they never sent it even after politely asking twice months apart. Finally I called and told them I wanted someone to just go down the list with me on the phone and I wrote everything down. I did my research to find the average costs of the services and products they charged me for. They wouldn't budge on anything; however, they determined they double charged me $70 for my baby's heel stick. So out of a $500 bill, saving $70 is not shabby! Even if the hospital won't budge it's good to know what you're paying for.

Sometimes if you offer to pay it off all in one go for a lowered rate they will agree. You'll never know unless you try. Just be very polite and patient and people will help you :)

-rev · 11時間前

You need to tell them you simply can't afford it. Be firm. They'll fight back but insist you can only pay a little. Cash helps. You might get a stubborn/rude representative. Hang up, try again. Send email mail. Send email. Keep trying until someone listens.

I didn't have a bill as high as yours, but I was balance billed last year and got 2 of my 3 medical bills wiped - but after about two months of fighting, letters, calls, etc of nobody giving a damn. Eventually through the hospitals websites contact form (of all things), someone contacted me who heard me out and took care of it. If you google it or look through some of the former Reddit threads on this, they all have roughly that same story - it's possible, but rarely easy.

When bills go to collections, hospitals make pennies on the dollar, so they don't want your bills to go to collections as much as you don't. You just got to fight the good fight.

blonktime · 11時間前

November of last year I fractured my skull and racked up around $85,000 in medical bills. Luckily, insurance took most of the financial hit but I was stuck with a bill of around $6,000. That was about what I had in the bank account at that point so I told them that I couldn't afford the bill. The rep that helped me told me they have payment plans to stretch it out or we could settle for a lump sum around $3000. So I took that and my saved life.

Ninja edit: I should say the rep worked for the hospital's financial assistance division.

Sugarbearzombie · 10時間前

I don't know what state you live in but some prohibit balance billing (under certain situations). You might want to research that and see if it can be used to your advantage here.

More to the point, you can always negotiate. I've negotiated for clients in the past and typically ended up paying around 1/3. I've heard other lawyers claim much better reductions. I've negotiated my own bills down by 50% where I didn't have as good of an argument but just wanted to see what they'd be willing to do.

Suggestion: ask for itemized invoice and look up medical billing codes. See if there's anything that shouldn't be there. Ask for discount and politely explain why. Start low.

Disclaimer: I'm not your lawyer and I'm not giving you legal advice. I couldn't because I don't even know what jurisdiction you're in.

Bipolarruledout · 8時間前

No. In that "no, I'm not giving you any money".

Lexxus82 · 7時間前

In 2004 after I had my first baby, I had about $4,000 left to pay for the bill after insurance. Since I was still on maternity leave and was not working, my mom gave me advice and told me to call the hospital and talk to someone because there was some form you could fill out with your financial information to hopefully get it reduced. I sent the form in and they sent back a bill for about $800 or something like that. Just call your hospital and ask for someone in billing/accounts receivable. Good luck. :)

mordecai98 · 6時間前

Ask to apply to the charity assistance program. You'll fill out paperwork and give copies of your tax return. I got 70% taken off.

Xechorizo · 6時間前

These guys hooked it up: http://fixmyclaim.com

Emilina_ · 4時間前

Find out if the hospital has a program where they will help. I went to the hospital when I had my first relapse with MS and the hospital covered 95%. All I had to pay was $200 and the doctors which was $1200.

zycamzip · 4時間前

Send them a check each month, whatever you can afford, even if its only 23 cents.

Never agree to send them a set amount monthly.

Eventually your bill will start to go down, and as long as you keep sending money monthly, it can't goto collections, nor negatively affect your credit score... just don't miss a payment.

digital_darkness · 3時間前

Why 5 days? I had one two weeks ago and was home within 12 hours

roofuskit · 3時間前

You may be screwed now that you've accepted a payment plan.

Fit_sin · 49分前

Last time I got a huge hospital bill that I couldn't afford, the back of the bill had a 'financial assistance' application on it. I filled it out & mailed it in. I was denied, so I sent in small monthly payments that I could afford (literally like $25 a month), and reapplied a few months later.

I was denied once more, which I found ridiculous because I actually work for this hospital & they were well aware that I couldn't afford to pay the bill on what I was making. I continued the small monthly payments & tried again a third time. I'm not sure if it's because I was attempting to pay it down the best I could, or if it was because it was the end of the year & it's easier for the hospital to 'write it off' when the year is coming to a close, but I was finally approved on the third try. They wrote off the rest of the 2K+ balance, & I'd only paid a few hundred dollars towards it over the course of that year.

Have you asked whether they have a financial assistance option? I'd say even if you're denied, keep reapplying. It never hurts to try! :)

Edited to add: This all happened with me having private insurance. The bill was the deductible that I hadn't met. I just didn't want you to assume you couldn't apply for assistance b/c you have insurance.

Dimoxinil · 11時間前

They'll always negotiate. I suggest negotiating as much in your life as you can.

Frugal

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