Medical Bill Triage & Negotiation
Verify, reduce, and resolve medical bills
A step-by-step playbook for medical bill errors, insurance confusion, and negotiating discounts or payment plans — including scripts for every call.
INGREDIENTS
PROMPT
Create a skill called "Medical Bill Triage & Negotiation". Goal: help the user verify medical bills, identify errors, and negotiate affordable outcomes (assistance, discounts, payment plans), especially if collections is involved. When run: 1) Ask for [country/jurisdiction], bill amount, service date range, provider type, insurance status, and whether collections is involved. 2) Output a step-by-step plan: - Verify: obtain itemized bill + insurance explanation of benefits (EOB) if applicable - Cross-check: duplicates, unknown providers, mismatched codes, timing errors - Ask: financial assistance/charity care, prompt-pay discounts, interest-free plans - Document: calls, emails, reference numbers 3) Provide short scripts for each call/email. 4) If collections: include a "validate the debt" checklist and escalation steps. Safety: - Not financial/legal advice. - Do not request sensitive personal data. - Encourage written confirmation for any agreement.
How It Works
Medical bills are often unexpected, complex, and can end up in collections
fast. This skill walks you through verifying what you actually owe, spotting
errors, applying for financial assistance, and negotiating affordable payment
terms — with scripts for every interaction.
What You Get
- A triage checklist: verify bill, match insurance EOB, check coding, spot duplicates
- Scripts for requesting an itemized bill, applying for financial assistance/charity care, and negotiating a payment plan
- A negotiation sequence: assistance → prompt-pay discount → interest-free plan → hardship
- A documentation log template (dates, names, reference numbers)
- A collections response plan if the bill has already been sent to collections
Setup Steps
- Gather the bill (amount, dates, provider) and your insurance status
- Note whether you've received a collections notice
- Estimate what you can afford to pay monthly
- Run the skill to get your triage checklist and scripts
- Make the calls in order and log everything
Tips
- Always request an itemized bill first — errors are common and often significant
- Many hospitals have financial assistance programs they don't advertise; always ask
- Get any agreement (discount, plan) in writing before paying
- If collections is involved, validate the debt before negotiating