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How to Save Money on Hospital Bills

Ever since I was a kid I was brought up to be frugal and to save and budget money. * Disclaimer: I am not a financial planner.

... In this guide to saving money on hospital bills, I'll give you all my best tips on how to navigate this complicated system so that you can get out of the ho

Have an awareness of the costs associated with your surgery.

Make sure you're aware of the costs associated with your surgery. A lot of people don't realize that hospitals can charge two different sets of prices for the same procedure: one for patients with insurance and another for those without.

Additionally, some hospitals take a percentage from their bill as an administrative fee. This may be something to consider if you're looking at a hospital with a high out-of-pocket cost as opposed to one with lower rates but higher fees overall.

Check to see that you're at an in-network hospital.

To determine whether or not you're at an in-network hospital, check with:

  • Your insurance company. They should be able to tell you what network the hospital is in and share any limits or exceptions to that.
  • The hospital's website. The site will let you know if it's an in-network facility for your insurance company, including any exceptions or limits on those services (i.e., pre-authorization). You can also call the billing department directly if the website doesn't have this information posted online.
  • The billing department at your chosen facility by calling them directly and asking about their participation status with various health plans (including Medicare). This person will be able to give more specific details than what might show up on their website; they'll also be able to answer questions about deductibles, co-pays, etc., which may not be listed anywhere else either!

If there is any doubt whatsoever regarding whether or not a particular medical procedure qualifies as being covered by your health plan/insurance sure to find out ahead of time! It's better safe than sorry when it comes down to money matters!

See if you can get a discount for paying cash up front.

Picking up the check in person is one of the best ways to save on hospital bills.

You'll also want to make sure you don't use a credit card, debit card, check or loan. If the hospital doesn't accept cash payments, try using a health savings account (HSA), flexible spending account (FSA) or health reimbursement account (HRA).

Find the best deal for your medication.

  • Find the best deal for your medication.
  • Don't buy anything if you don't know what it is.
  • Don't buy anything if you don't know how much it costs.
  • Don't buy anything if you don't know how to use it.

Find out if you qualify for financial assistance from the hospital.

You may be able to get financial assistance from the hospital if you meet the following requirements:

  • You or your family have no insurance coverage (or only partial insurance coverage)
  • You have limited income, such as social security benefits or disability payments
  • You are 65 years old or older
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Be aware of the costs associated with anesthesia.

Anesthesia is the most expensive part of your surgery. Even if you don't pay for it directly, the hospital will pass along their cost to you in the form of higher bills. The cost of anesthesia can be thousands and even tens of thousands of dollars, depending on what type you need.

For example, let's say that you need knee replacement surgery:

  • Local anesthesia only costs about $1,000 dollars—but general anesthesia may run you $8,000 or more. And if your surgeon recommends epidural block instead, expect to shell out between $2,500 and $10K for this option alone! You'll also have to consider whether anesthesiologists charge by time or by procedure (in which case "procedure" might include both local and regional blocks). Regardless which method they use though: Your bill will definitely be higher than it would be otherwise because medical professionals are incentivized by their own interests not yours; namely convenience rather than cost effectiveness when choosing between these options based upon patient factors including age weight etcetera.

Be prepared for unanticipated costs.

You can't control what happens to you in the hospital, but you can prepare for it. If possible, make sure you have enough money in your bank account to cover any unexpected costs. Also, have a plan in place for how you'll pay for them. For example, if your insurance doesn't cover everything that's done at the hospital and there are some unanticipated costs (like prescriptions or additional treatments), how will those get paid? A credit card ready to use is one way.

How much does it cost to stay in the hospital?

Knowing how to navigate the system will help save you money on your hospital bills

You've decided to have the baby and now you're in the hospital. You are probably feeling overwhelmed, but don't forget that there are ways you can save money on your hospital bills.

So what can you do? First, know what you are getting yourself into before signing any paperwork or consenting to treatment. It's important for parents to ask questions about every procedure and every medication a physician prescribes because some of them may not be fully covered by insurance. This is especially true when it comes time to discharge from the hospital—make sure that everything has been ordered before leaving so nothing gets overlooked!

If something doesn't seem right or if something costs more than expected, don't be afraid to negotiate with doctors and nurses or even other staff members at the hospital who may offer discounts or deals on services like parking meters (which happen all too often). Be sure also not just take whatever deal they offer without first looking around at other options available nearby; sometimes one reputable place may have better deals than another because of their proximity or reputation within the community (especially worth checking out if it means saving money).


Hospital bills can be complicated and intimidating. But by knowing how to navigate the system and seek financial assistance, you'll save yourself money on your hospital bills.


This content is accurate and true to the best of the author’s knowledge and does not substitute for diagnosis, prognosis, treatment, prescription, and/or dietary advice from a licensed health professional. Drugs, supplements, and natural remedies may have dangerous side effects. If pregnant or nursing, consult with a qualified provider on an individual basis. Seek immediate help if you are experiencing a medical emergency.

© 2022 Shanon Sandquist

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