Find the Best Bill Negotiation Services
Compare Reviews for Top Bill Negotiation Services
|BILLSHARK||Read 268 Reviews|
BILLSHARK is a bill negotiation and consolidation company. If they don’t save you anything, they don’t get paid. BILLSHARK negotiates a variety of bills, including cable, internet, wireless phone, and home security.
|LowerMyBills.com||Read 105 Reviews|
Free online service that lets consumers compare rates on monthly bills to reduce the cost of living. They work with over 500 service providers on services such as home loans, credit cards and insurance.
|BillAdvisor||Read Author Review|
BillAdvisor is based out of Houston and has over 20 years of combined experience in saving consumers money. It specializes in reducing monthly internet, energy, cell phone, TV and home and auto insurance bills.
|BillCutterz||Read Author Review|
BillCutterz saves people 25-35 percent on their monthly bills through bill analysis and negotiations. Its savings experts have been saving people money since 2009 and are specially trained to find the best rates possible.
|BillFixers||Read Author Review|
BillFixers is a bill negotiating and consolidating company based in Nashville, Tennessee. It is run by two brothers whose goal is to save you money on your monthly bills by doing the negotiating for you.
|Copatient||Read Author Review|
Copatient was formed to provide health care cost reduction services to patients, employers, health plans and brokers. It uses expert negotiation tactics to lower medical bills for people paying out-of-pocket.
|DisputeBills||Read Author Review|
DisputeBills offers medical-bill savings solutions and health care savings options to consumers. It uses expert negotiation tactics to save you anywhere from 10 to 60 percent on your unpaid medical bills.
|H.H.C. Group||Read Author Review|
H.H.C. Group works with third-party administrators (TPAs), their clients and self-funded employers to lower the amount they pay on medical claims. Payers can choose from over five health care cost-containment services.
|Medical Cost Advocate||Read Author Review|
Medical Cost Advocate offers health care cost reduction solutions for consumers. Its experts validate billing accuracy, negotiate medical bills after procedures are performed or negotiate prices pretreatment.
|Rising||Read Author Review|
Rising is a medical solutions company that offers medical cost management solutions for the workers compensation, auto, liability and group health markets. Its services include medical cost reduction and optimization.
|SFUR||Read Author Review|
SFUR has been offering medical review services for over 30 years. They use medical practice and financial knowledge to improve their customer’s health care process, outcomes and financial results.
|Shrinkabill||Read Author Review|
Shrinkabill employs a team of consumer advocates who are dedicated to saving you money on your monthly bills. It can help you save an average of around 35 percent on bills like cable, internet, cell phone and home security.
Questions to ask before working with a bill negotiation companyQuestions to ask before working with a bill negotiation company
What types of bills can be negotiated?
Wonder why your cable bill mysteriously gets more expensive throughout the year? Or why your electricity bill fluctuates so much? Bill negotiation companies look at your monthly bills and medical bills. They make sure you aren’t paying for things you were unaware of, like a remote control rental fee on your cable bill or $30 for one aspirin while you’re in the hospital. Then they negotiate them with your service provider.
- Monthly bills: Monthly bills include: Cell phone, cable and satellite TV, internet, landline, alarm and security, electricity and more. Most bill negotiators hunt for things like hidden fees and unnecessary charges like modem and remote control rental fees. Bill negotiators can save you over a couple thousand dollars on your bills each year.
- Medical bills: Have you ever seen a “mucus recovery system” charge on your medical bill for eight dollars? You might know it better by its more common name, “a box of tissues.” Hospitals are notorious for overcharging patients, especially uninsured patients. Some doctors bill uninsured people three to four times more than an insurance company will pay. This is because insurance companies have pre-negotiated, lower rates. If you don’t have insurance, consider letting a medical bill negotiation company help you lower your bill.
How do bill negotiation companies work?
The process is straightforward and centers around the negotiation of each line item on your bills. Bill negotiation companies know you don’t want to take the time to negotiate your bills every month. Being put on hold for an extended period of time for each provider gets frustrating. On top of that, you may not know about all the hidden charges and fees to look for. Here’s what to expect when you use a bill negotiator.
- Signup and send bills: After creating an account you’ll be asked to submit your bills. This lets the negotiator assigned to your account see your account number and all line items and breakdowns of each bill.
- Negotiation insight: Negotiators know when to call providers for the best response. They keep up with service providers’ discounts and promotions to make sure you’re paying the best rates. They also find small or hidden fees you may not know you were paying and discuss them with you.
- Savings: You’ll automatically see any savings the bill negotiation company gets for you on your next bill from your provider. The length of the savings depends on your service provider. Typically you’ll be locked into your new negotiated rate for a contracted amount of time.
How do bill negotiation companies get paid?
Monthly bill negotiation companies only get paid if they save you money. Their fees are generally in the range of 40-50 percent of the money they save you. Medical bill negotiation companies sometimes use a different pricing structure that’s based on the number of bills you submit. These are often customizable and vary per person.
- Payment structure: If a negotiation company charges you a 50 percent fee and they save you $40 saved on your cable bill, you get $20 and they get $20. This pricing structure is similar across the board with all major bill negotiation companies.
- Transparency: Good bill negotiation companies are transparent. They should have a clear pricing plan. If you have any questions regarding how they get paid, check their FAQ page, speak with them on live-chat, call them or email them and get things cleared up.
- Service cancellation fee: Some bill negotiation companies charge a small fee if you want them to cancel your service with a provider for you. If you want to cancel service, it's a good idea to do it yourself.
How much can a bill negotiation company save me?
Everyone’s bills and usage are different. Some bill negotiation companies have an online savings calculator to help you get a ballpark figure of how much money they could save you. Medical bill negotiation companies can save you thousands of dollars on large bills.
- Average savings: Monthly bill negotiators save their customers an average of $300 to $720 a year. Medical bill negotiators can save you an average of 20 to 50 percent on one of your medical bills.
- High-end savings: Depending on the size of your bills, bill negotiation companies can save you $1,000 to $3,000 a year on your monthly bills. They can save you tens of thousands of dollars on your medical bills as well. If your surgical bill tops out at $160,000 and a negotiation company saves you 50 percent, that is a total of $80,000 in savings.
Are there any risks associated with bill negotiation?
Enlisting the help of a bill negotiator is a no-risk move on your part. If they don’t save you money, you don’t pay them a dime.
- No hidden fees: Most companies don’t have hidden fees. Everything should be black and white when it comes to how they price their services. If they save you $100, they get $50 and you get $50.
- Price increases: Your bill negotiator shouldn’t have regularly scheduled increases when it comes to how much they get paid. Many companies decrease their price after the first year of savings.
- Personal information: Bill negotiators should have an encrypted website so your personal information is safe. Look for encryption/security logos, check their FAQ page for encryption details or ask them how your personal information is secured.
What kind of rewards do bill negotiation companies offer?
Some bill negotiation companies offer rewards or incentives when you sign up or pay them up front. The most common incentives include:
- Billing discounts: Some companies give you a percentage off if you sign up for monthly recurring payments. You may also see discounts for paying your first invoice in full.
- Gift cards: Check for sign-on rewards like dining or retail gift cards.
- Referral rewards: Giving a social media shoutout may get you a gift from some companies. Some bill negotiating companies send you a gift card if you refer a friend and they sign up and save money with them. Check each company's website for details on their rewards programs.
What are the different kinds of bill negotiation companies?
Monthly bill negotiators
Monthly bill negotiators work to make sure you’re paying the lowest rate possible on things like cable, internet and cellphones. They know to look for things like hidden fees or things you didn’t know you were paying for, like your remote control or modem. They also have the expertise to negotiate rates with your providers.
Medical bill negotiators
Receiving a big medical bill in the mail is disheartening and leaves you with a sinking feeling, wondering how you’re going to pay for it. Medical bill negotiators work to save you 20 to 50 percent of your medical bills by analyzing them line by line and negotiating a lower rate.
Who can benefit from a bill negotiation company?
Your bills can easily exceed $300 to $500 in total each month. Couple that with your rent or mortgage, and you’ll take relief wherever you can get it. Whether it's just you or your family, bills add up and seemingly go up for no reason. Bill negotiation companies help you put a dent in your monthly expenses.
If you own your own business, you know it's all about that bottom line. Saving money anywhere you can is a huge help. Bill negotiators make sure you’re getting the best rates possible on your monthly bills.
As a nonprofit, you know what it's like to appreciate every nickel and dime you get. Bill negotiating experts help you get the lowest rates possible on things your business needs to operate. Things like reliable internet, cell phones, landlines and security systems can all be negotiated with your service provider.
People with medical bills
Some studies have shown anywhere from 60 to 80 percent of medical bills have errors. These errors, coupled with being overcharged for insignificant things, can cost you hundreds or thousands of dollars. Medical bill negotiating companies work to get you discounts and savings on your bills.
Bill negotiation FAQ
- How can I negotiate a lower phone bill?
- The best way to negotiate a lower home phone or cell phone bill is to work with an expert negotiator.
- First, you turn in the bills you wish to negotiate. Generally, the service you choose will specialize in a specific type of bill, such as medical or monthly bills.
- Professional negotiators for the company analyze your bills for savings opportunities.
- Finally, they speak with the biller's representatives using their negotiating skills to get you a better deal.
- Can you negotiate utility bills?
- In some situations, you may be able to negotiate the price of your utility bills. A majority of U.S. states allow you to choose from different energy providers, giving you leverage against your current gas or electric company. California, Texas, Illinois, Florida, Pennsylvania and New York are among these states.
- Can you settle medical bills for less?
- Medical bills are similar to credit card debt in that you may be able to pay back less than the amount you owe. Once your bills go to collections, the agency will be motivated to get some type of payment. As a result, it often accepts much less than the total amount owed. Of course, this takes some negotiating skills.
- What is an insurance adjustment on medical bill?
- Hospitals and medical facilities have list prices for procedures and services, but those prices may be negotiable.
For instance, the facility can make adjustments after contacting the insurance company. Typically, the insurance adjustment — a price decrease that your insurance company gets you on a medical bill — is lower than the original price. Your bill negotiator might be able to get you a better rate.
- Can you negotiate your cable bill?
- Yes, you can negotiate your cable bill because you can select service from several competitive cable providers. By threatening to switch companies or comparing rates from other companies, you may be able to get a lower bill. With some haggling or the help of a bill negotiator, you could get a lower rate on your monthly or annual bill.
- How can I reduce my hospital bill without insurance?
- If you don’t have insurance, you could have astronomical medical bills. But a little negotiation goes a long way. For instance:
- Hospitals usually offer lower rates for individuals who are not insured.
- Hospitals offer discounts for cash payments.
- By working with a bill negotiation service, you may be able to get your total bill lowered.
Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.
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