11 Things Every Patient Should Try to Lower Their Hospital Costs

Updated: Mar. 30, 2022

To spend less on your hospital stay, we asked doctors, nurses, medical billing experts, and hospital CEOs for their top tips to cut medical costs.

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male nurse talking to senior male patient
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How to lower your hospital bills

The rise of medical costs has made it difficult for many Americans to pay their hospital bills. Throw in a pandemic (Covid-19), an unemployment rate of slightly over 13 percent, and the usual monthly living expenses, and there’s the possibility of an overwhelming amount of medical debt. Whether you just had a medical procedure, are planning on having one, or may need to be admitted to the hospital for an emergency, there are things you can do to cut your medical costs.

To help you spend less on your hospital stay, we spoke with doctors, nurses, medical billing experts, and hospital CEOs for their top tips to lower hospital bills.

doctor holding up an x-ray

Question every test

“Our research has shown 15 to 30 percent of everything we do in health care—tests, medications, and procedures—is unnecessary. This is based on a nationwide survey of doctors themselves who are saying they’re ordering things in their own specialty that are unnecessary. (In a more recent study, 97 percent of ER doctors nationwide said they’ve ordered imaging tests they know are unnecessary.) It’s partly due to patient demand; it’s partly to prevent malpractice. Any time your doctor orders a test, ask why he’s ordering it, what he expects to learn, and how it will change your care if you don’t have it done.” —Marty Makary, MD, MPH, surgical oncologist and chief of the Johns Hopkins Islet Transplant Center and the author of Unaccountable: What Hospitals Won’t Tell You and How Transparency Can Revolutionize Health Care

senior man in hospital bed

Make sure you’re actually admitted

“You can stay overnight in the hospital but never officially be “admitted.” Instead, the hospital can say you are there “under observation.” That can be tricky for seniors because if you’re then sent to a nursing home for rehab, Medicare won’t pay for it unless you were actually admitted. Always ask if you’re admitted.” —Deborah Burger, RN, co-president of National Nurses United and president of California Nurses Association. (Check out these other 47 secrets hospitals are keeping from you.)

handful of medication

Bring your own meds

“It’s a lot cheaper—and it’s usually OK—to bring your own medicines from home, but the hospital pharmacy will have to check them to verify they are what the bottle says. Just ask your doctor to write the order.” —Michele Curtis, MD, an ob-gyn in Houston. (Read up on these other 46 secrets your pharmacist isn’t telling you.)

nurse and patient talking about test results
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Shop around

“Compare prices, especially between nonprofit and for-profit hospitals. One recent study of the 50 most expensive hospitals in America found that all but two were for-profit (and 40 percent operated in the state of Florida). Some of the hospitals were charging 1,000 percent over the rates paid by Medicare.” —John W. Mitchell, former CEO of three hospitals

doctor taking notes

Beware of specialists

“Be suspicious of specialists that visit you every day you’re in the hospital because they can bill you for each visit. What I’ve seen is that less well-trained physicians will call in an abundance of consults to help them through taking care of the patient. If those specialists make a point of checking on you every day, your bill is being padded and padded and padded. Ask your doctor if those daily visits are really necessary.” —Evan Levine, MD, a cardiologist in the Bronx, New York, and the author of What Your Doctor Won’t (or Can’t) Tell You

couple checking bills with computer and calculator

Always carefully check the bill

“Eight out of 10 hospital bills we see contain an error, so always check the bill. You may identify a drug on there you didn’t take. Or you know that you discontinued a treatment on Tuesday but you were charged for Wednesday. Or maybe your operation took only two hours but you were billed for four. Then remember, the number on the bill is only a starting point. Try to negotiate for 35 to 50 percent off the billed charges.” —Pat Palmer, CEO and co-founder of Beacon HCI

couple looking at laptop

And ask for the itemized version

“Ask for the itemized bill that shows exactly what you’re being charged for. What they usually send you is called a summary bill and doesn’t include everything. I’ve seen charges for a box of tissues, surgical tools, a toothbrush, and housekeepingall things that should be included in the cost of the room. I had one case of a six-year-old girl whose parents were charged for a pregnancy test!” —Beth Morgan, president of Medical Bill Detectives. (Don’t miss these 24 secrets your pain doctor won’t tell you.)

family walking with senior in wheelchair

Get out as soon as you can

“Since each day in the hospital costs on average $9,700, the best way to cut costs when you’re in the hospital is to get out sooner. Ask in advance what criteria you will need to meet to be discharged, and then get motivated to get it done, whether it’s walking two laps around the hospital floor, passing gas, or eating a cracker.” —James Pinckney, MD, an ER doctor and founder of Diamond Physicians in Dallas

empty hospital bed

Check your room rate

“Check to see if you were charged for a full daily-room rate on the date you were released to go home (your discharge date). A hospital stay charge should only be from your admission date until your discharge date.” —Beth Morgan

woman talking on the phone and taking notes

Always get a reference number

“When you call a billing specialist or your insurance company to get information about a medical bill, always ask who you’re talking to and get a reference number. Then the next time you call, it’s easy for them to go back and see what the last person told you. If they don’t have a reference number, get their name and location.” —Beth Morgan. (Make sure you know these other 18 secrets your insurance company is keeping from you.)

doctor consults with patient

Ask for a discount in advance

“If you’re paying out of pocket and worried about the cost of a procedure, I’d identify a couple of hospitals that do a lot of them. Go to them beforehand and say, ‘I know you give a discount to the insurance companies. What kind of discount are you going to give me?’ That’s when the dance is going to start. Some hospitals may say, ‘This is our discount, take it or leave it.’ Others will really work with you. When I worked in health care, I often would sit down with a patient and try to work something out.” —John W. Mitchell

Next up: Doctors confess the mistakes people make in the ER.