Facing a hospital bill that is unaffordable, individuals can take steps to reduce their debt. Requesting an itemized invoice from the hospital is a recommended starting point. This allows for a detailed review of services received.

The founder of a nonprofit organization suggests that simply asking for an itemized bill can result in a lower total. Negotiation strategies can also be effective when discussing the bill with the hospital's billing department. Further guidance on negotiating hospital bills is available, including specific phrases that may be helpful in securing a discount, such as inquiring about a settlement amount.