Disclaimer: This article is for general informational purposes only and is not legal advice.
Detailed Answer
When you need medical care but worry about out-of-pocket costs, New Hampshire law and community resources can help you access treatment and keep accurate records. Follow these steps:
1. Identify lower-cost care options
Look for federally qualified health centers (FQHCs) and community clinics. These facilities use a sliding fee scale based on household income. Many New Hampshire health centers offer discounts and payment plans. You can find locations at the HRSA search tool.
2. Explore hospital financial assistance
New Hampshire hospitals often maintain charity care or financial assistance programs. Contact the hospital billing office to request their policy and application forms. Ask about income-based discounts and extended payment plans.
3. Request and review your medical records
Under NH RSA 332-H:3, you have the right to inspect and copy your medical records. Submit a written request to your provider, who must respond within 30 days. See the statute: RSA 332-H:3.
4. Obtain itemized bills and Explanation of Benefits
After each visit or procedure, ask for an itemized bill. If you have insurance, review your Explanation of Benefits (EOB) to understand what the insurer paid and what you owe.
5. Negotiate payment plans and discounts
Call the provider’s billing department before or after treatment to set up an interest-free payment plan. Many providers will offer a self-pay discount if you ask up front.
6. Keep thorough documentation
Track every expense and communication. Create a file—digital or paper—with receipts, bills, EOBs, appointment dates, service descriptions, and notes from conversations with billing staff.
Helpful Hints
- Record the date, name, and department of anyone you speak with about billing or records.
- Get any payment plan or discount agreement in writing before you make payments.
- Check Medicaid and NH Healthy Families for eligibility if your income is low.
- Compare cash-pay rates online; some urgent care clinics post fees on their websites.
- Consider nonprofit medical billing advocates if you face large or disputed bills.