What to do when you can’t pay your medical bill

Do not ignore your bills!

If your bill is less than 30 days late, most medical offices will discuss payment plans. Do not be afraid to ask for help. If your payment will be more than 30 days late, call the office and let them know.

Late payments affect your credit score and may go to collections.

What to do if you can’t pay your bill:

  1. If you have health insurance, call your insurance company and ask if you were charged the correct amount.

  2. Call the office that sent you the bill and confirm the charges.

  3. Ask to talk to a financial counselor and let them know you are having trouble paying the bill.

  4. Ask to apply for coverage programs or financial help to lower your bill.

Free additional help:

You may qualify for help to make a plan to pay your bills. Call a non-profit credit counseling agency to learn more.

  • National Foundation for Credit Counseling: 1-800-388-2227

  • National Council on Aging: 1-800-794-6559

  • Financial Counseling Association of America: 1-800-450-1794

  • Wisconsin 2-1-1: Call and ask to speak to a financial counselor.

You can download a printable PDF of this information

Click the image to download a copy in English and Spanish.