Negotiate Your Medical Bills
Everything you need to negotiate a lower medical bill. Hospitals expect negotiation - their chargemaster prices are inflated 200-400% above cost. This hub gives you the scripts, the data, and the tools to pay a fair price.
Negotiate From Strength
Guides & Resources
Hospital Financial Assistance Programs: The 340B Guide You Need
Most hospitals must offer financial assistance programs. Learn about charity care, 340B pricing, and how to apply for a reduction or full bill forgiveness.
How Hospitals Set Prices: The Chargemaster Explained
Hospitals use a secret price list called the chargemaster to set charges. Learn how it works, why prices vary wildly, and how to negotiate using this knowledge.
Using Medicare Rates to Negotiate Your Medical Bill
Medicare rates are the gold standard for fair medical pricing. Learn to find them, calculate your savings, and use them to negotiate any medical bill or lien.
How to Negotiate a Medical Bill Already in Collections
A medical bill in collections doesn't mean paying full price. Learn your rights, how to negotiate with collection agencies, and when to settle for less.
When to Hire a Patient Advocate (And How to Find One)
Patient advocates negotiate medical bills, handle insurance appeals, and work through complex disputes. Learn when to hire one and how to find free help.
What to Do If You Can't Afford Your Medical Bill: A Complete Guide to Financial Assistance
Learn how to handle medical bills you can't afford. Covers financial assistance, charity care, negotiation, payment plans, Medicaid, and patient rights.
How to Negotiate Your Medical Bill: Scripts, Tactics, and What Actually Works
93% of people who negotiate medical bills succeed. Learn the 5 most effective strategies with word-for-word scripts to lower your bill before and after payment.
Medical Bill Negotiation Scripts: 4 Word-for-Word Templates
Four word-for-word phone scripts for negotiating your medical bill: disputing errors, negotiating rates, setting up payment plans, and appealing denials.
Savings Estimator
Your Bill
Fair Price
Potential Savings
You could save up to by negotiating this bill down to the fair price.
Price Benchmarks
Based on CMS Medicare Physician Fee Schedule 2024 national rates
| Medicare Rate (Non-Facility) | |
| Medicare Rate (Facility) | |
| Typical Billed Range | |
| NilesAI Fair Price |
Recommended: Dispute These Charges
Your bill is significantly above Medicare rates - over 3x the Medicare benchmark. We recommend disputing these charges with your provider's billing department.
How to dispute a medical billRecommended: Negotiate This Bill
Your bill exceeds fair market rates. Use the Medicare rate as leverage in negotiation - providers regularly accept 1.5-2x Medicare as a fair settlement.
Ask for a Prompt-Pay Discount
Your bill is within the typical range. You can still ask for a prompt-pay or cash discount - providers routinely offer 10-30% off for patients who pay quickly or without insurance.
How to ask for a discountFinancial Assistance May Be Available
As an uninsured patient, you may qualify for hospital financial assistance programs. Nonprofit hospitals are required by law to offer charity care - and many providers have sliding-scale programs they don't advertise.
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