How do you negotiate the medical bills of the deceased down to a fair amount since there was no health insurance?

A medical provider or collection agency won't tell you right off the bat they'd rather take a reduced amount than write off the debt. After all, it's a business and they want to get as much as they can, and you clearly want to pay and not stiff them completely If you're the spouse of the deceased (my condolences) it might be tougher as they'll try to get you to declare your financial status (whether the deceased left a life insurance policy, etc. ). If it's a parent, and you aren't personally responsible for the debt, tell the provider you're doing the right thing by offering to pay what you can and if they don't take your offer they'll get nothing However, assuming you are the spouse and therefore responsible, negotiate the bill with confidence, and be prepared to pay the negotiated amount right away.

First offer to pay the amount health insurance would have paid - around 50% of the bill. Why should the uninsured have to pay 100%, and an insurer gets a discount? If the bills are still with the provider (hospital, doctor's office, etc. ) you can likely get someone reasonable.

If it's with a collection agency the rep will be more aggressive but in reality they settle for less all the time. If you don't like the rep insist on speaking with a supervisor Finally, be prepared to honestly discuss the hardship. The deceased not only left thousands of dollars in medical bills - income stopped with his or her death.

It makes it tough to move forward and settle the estate Again, sorry for your loss.

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