If you’ve ever received a medical bill that seemed too high or just plain wrong, you’re not alone. In fact, 1 in 5 Americans end up with healthcare bills they either can’t afford or don’t agree with. These bills come from various places—about 35% from doctor’s offices, 20% from emergency rooms or urgent care, and over 15% from hospitals. Yet, despite the financial strain, many people don’t take action. Why? A whopping 86% of people who didn’t reach out said they believed it wouldn’t make a difference.
But here’s the reality: picking up the phone can really pay off. Our research found that nearly 76% of those who reached out about an unaffordable bill received some kind of financial relief. For those who questioned a billing mistake, about 74% got their bills corrected. And if you’re willing to negotiate, your chances are good—nearly 62% of negotiators saw their bill amounts drop.
Reaching out doesn’t just save money. About 18% of patients who called their billing office gained a better understanding of their charges, 16% managed to set up payment plans, and over 7% had their bills canceled altogether. And if you’re concerned about the time involved, most people resolved their issues in less than an hour.
Interestingly, the likelihood of making that call varies. People who are more extroverted and assertive—based on the Big Five Personality Test—are more likely to contact the billing office. On the other hand, those without a college degree, with lower financial literacy, or without health insurance are less likely to reach out, potentially leaving them with higher bills or unresolved issues.
The takeaway is clear: if you get a medical bill that doesn’t seem right, don’t just let it slide—make the call. You could be one phone conversation away from saving money, setting up a payment plan, or even getting the bill canceled. If you’re hesitant, ask an assertive friend to help. It could make all the difference.