Your doctor, nurse, or their other staff may be able to help lower your health care costs.

Write down your questions before you talk to your doctor:

• During the conversation, take notes.

• After the conversation, list the date, a brief summary, and the name of the person you spoke with.

• If calling about a bill, have the bill number and date of service ready.

To start the conversation, ask questions such as:

• My lab tests cost me so much. What are some ways we can lower the cost?

• This drug costs me so much. Is there a cheaper drug I can take? What are some other ways I can lower my cost?

• What hospital or clinic programs can help people pay their health care bills?

• Does the hospital or clinic offer care on a sliding scale? If so, how do I apply?

• Does my insurance cover all parts of this treatment, including labs and imaging? Does any part of this treatment need to be pre-approved by my insurance?