In fact, various surveys by health and consumer groups show that only 20 to 30 percent of patients bother to ask to reduce their out-of-pocket medical bills, but up to 70 percent of those who try actually find success.
"I think people are finding help with at least 40 percent of their bill," she said. That's a big number to cut off the top, whether or not you have insurance.
Be Reasonable and Honest: Let doctors know your financial situation and they may be more willing to help, especially in these economic times. They do take hardship into account. Plus, it costs providers money to go into debt collection and it's a hassle and expense they would rather avoid.