I Can't Pay My Whole Bill. Should My Doctor Give Me A Break?

Posting Date: 10/15/1999

Richard: In 1995, I was hospitalized for an illness. My insurance paid $50,000.

I have since had some follow-up procedures with my doctor. The last time I called for an appointment, the receptionist told me they couldn't see me anymore because I owe too much money.

I owe a few hundred dollars beyond what the insurance company paid, but I'm not working so I don't have much money. Now, I've completely stopped going to the doctor.

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Dr. Dean: I'd start with a conversation with the doctor. First of all, there may simply be a misunderstanding that can be easily cleared up. Also, front office staff acts on a standard set of instructions about bill collection - they are just doing their jobs. A talk with the doctor could result in an exception in your case.

You want to point out to the doctor that you've been under his or her care for a long time. Since thousands of dollars have been paid, you'd like a break on a few hundred bucks while you're not working. I think most doctors would help out if you are open with them.

Doctors haven't figured out what to do with folks who are caught in the middle like you are. After all, in most walks of life, if you can't pay the bill, you don't get the service. But to put someone's health at risk, especially in your case when the doctor has been paid thousands of dollars, seems particularly mean-spirited.