Disclaimer: This article is for informational purposes only. It does not create an attorney-client relationship and is not legal advice. Consult a qualified attorney for advice on your specific situation.
Detailed Answer
1. Review Your Insurance Plan
Begin by understanding your health plan’s deductible, copayment and coinsurance. Locate your Summary of Benefits and Coverage (SBC) or log into your insurer’s portal to view your Explanation of Benefits (EOB). This helps you estimate what you owe before and after insurance.
2. Request a Good Faith Estimate
If you lack insurance or your services are out-of-network, federal law under the No Surprises Act requires providers to give you a written good faith estimate of expected charges. Submit a written request to your provider at least 3 business days before non-emergency care. Keep that estimate in your records.
3. Explore Low-Cost and Sliding-Scale Clinics
Arizona has community health centers that offer care on a sliding-fee scale based on income. Search the Arizona Community Health Association directory or contact local public health departments. These clinics often charge reduced fees for primary care, labs and prescriptions.
4. Negotiate Charges with Providers
Many providers will negotiate cash-pay rates or offer payment plans if you request help before or after services. Explain your situation and ask for a discount or interest-free installment plan. Document all conversations in writing and keep copies of emails or letters.
5. Document All Medical Care and Costs
Track every charge and service in one place. Under Arizona law, you have a right to access your medical records. See A.R.S. § 12-2293 for patient access to records. To document costs, save:
- Itemized bills or invoices from every provider
- Receipts for copayments, coinsurance and pharmacy purchases
- Explanation of Benefits statements from your insurer
- Good faith cost estimates from your provider
6. Use Public Programs and Assistance
Check if you qualify for AHCCCS, Arizona’s Medicaid program. Visit the Arizona Health Care Cost Containment System at azahcccs.gov. For prescriptions, look into discount cards, manufacturer coupons or the federal 340B drug program.
Helpful Hints
- Always ask for cost estimates in writing and date your request.
- Compare prices using hospital and insurer online tools before scheduling.
- Inquire about charity care policies at nonprofit hospitals.
- Track related expenses (travel, childcare) for potential tax deductions.
- Keep both paper and digital copies of all medical documents in a single folder.