Negotiating Medical Bills

Financial hardship programs and payment negotiation strategies

Almost every bill is negotiable.

Hospitals expect negotiation. They have financial hardship programs, charity care, and payment plans that they rarely advertise. You just have to ask the right questions.

Your Progress

AI Prompts

Financial Hardship Letter Generator

Help me write a financial hardship letter to request a reduction in my medical bill.

My situation:
- Total bill amount: $[AMOUNT]
- My annual household income: $[INCOME]
- Number of dependents: [NUMBER]
- Special circumstances: [Any job loss, other medical bills, etc.]
- Amount I can reasonably pay: $[AMOUNT]

Please write a professional letter that:
1. Explains my financial situation without over-sharing
2. References the hospital's charity care program
3. Proposes a specific reduced amount or payment plan
4. Maintains a respectful but firm tone
5. Requests a response within 30 days

A well-written hardship letter documents your situation formally and triggers the hospital's obligation to review you for financial assistance programs. Many hospitals are required by law to offer charity care.

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