How can I negotiate with hospital who has lien on personal injury settlement when they say they wont discount!

Question

I was hit by a woman and am recieving a small settlement. Hospital put a lien against her insurance company for FULL BALANCE ONLY and when I called to see if they would negotiate a lower amount they laughed and said, No way. They dont lower the bill for a liability accident and want the full balance paid. I figure that is horrid business ethics when Point A. Someone goes into a hospital with insurace and pays and the insurace company NEVER pays full balance ONLY A PERCENTAGE! and Point B. Someone goes into the hospital without any insurance and they ALWAYS NEGOTIATE A LOWER BILL FOR THEM> So WITH or WITHOUT insurace they will lower the bill, but because they want their greedy little hands on ALL THE money they file a lien and wont lower the bill!! ANY HELP OUT THERE ON HOW TO NEGOTIATE GRATEFULLY ACCEPTED!!!

Answer 1

most hospitals will not take a dime off the bill when its a liability claim and you have no medical insurance. just let them have the money so you can get whats left.

Answer 2

I don't believe your two points are valid arguments. A patient with insurance does not have to pay, the insurance does. The insurance company has many employees to go over the entire bill to find overcharges, or in case of an HMO, will pay only contracted amounts. The patient without insurance can only negotiate a lower payment only after they have wrecked their credit by not being able to pay. In this case, the hospital would feel like some payment is better than none.

Your case is more like the first. It is the other woman's insurance company that is paying. It is up to them to go over the bill and find overcharges since it is their money paying the bill. If they don't argue the charges, you are out of luck. And hope they don't come after you for any balance they claim is still left to be paid after they take the insurance money.

Answer 3

Aren't you the one being greedy and wanting to keep the discounted portion yourself?

The other ladies insurance company is paying 100% of the medicals than why should it matter to you. They shouldn't have to negotiate.

If you were selling a car and you had someone that was going to pay 100% of the price you are asking for why would you negotiate to only take 80%.

That isn't being greedy, that is just smart business!

Answer 4

Well, they aren't going to negotiate a lower amount, because they don't have to! That's what the settlement amount is intended to take care of - the medical bills.

I think it's ironic that you're accusing the hospital of being greedy, when you're talking about money that was paid to you with the INTENTION of having it go to pay the hospital bills, and now you want to keep it!!

Answer 5

You are not in any position to negotiate a settlement, since the hospital has already filed a lien on the settlement in order to receive a payment in full for the services rendered to you.

What are you trying to do here ? Make a profit for yourself at the expense of the hospital which cared for you ?

Get a grip, dear. The hospital is ENTITLED to collect in full whenever it can.

Answer 6

whilst i exchange into rear-ended the different individual's coverage paid the medical expenditures in complete. The well being facility desires to collect on the entire invoice from the insurqance corporation. it somewhat is unlike amassing from a medical coverage corporation. 2 seperate companies. Hospitals provide fee reductions in ordinary terms to those that can not have sufficient money to pay, yet coverage companies at the instant are not by employing any ability undesirable.

Answer 7

Assuming you included your medical expenses when you sued her insurance company; the hospital is entitled to the full amount due to them.

Sorry

Answer 8

Why do you want to help HER insurance company?Her insurance will work it out with the hospital.