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One way to reduce your medical bills is to take care of your health . Numerous studies have proven that exercise and following a healthy diet can reduce your risk of cancer, diabetes, and heart disease while one study shows the financial impact of improved behaviors. Here, we explain ways to help guard against getting high medical bills in the first place, and what to do if you still wind up with one. A little planning can go a long way toward keeping costs. Just because a medical bill arrives in the mail doesn’t mean you have to pay that exact price. NPR’s Life Kit has tips to eliminate, reduce or negotiate a medical bill . Learning how to negotiate your medical bills may help lower your healthcare costs. You can ask the billing office about possible errors on your medical bill or a reduced cost. You may also. Yes, you can negotiate your medical bills . Here’s how to lower your costs . When Shannon Harness went to the hospital with abdominal pain, he had no idea he’d ultimately wind up with bills. Ask for a detailed bill . Make it clear that the current amount represents a hardship. Ask about available discounts. Express a willingness to pay to your best ability. Be persistent (and polite) Appeal insurance denials. Suggested script for negotiating your medical debt . Here are simple steps patients can take when they can’t afford their medical bills or suspect they’ve been overcharged. Learn how to negotiate medical bills to save on healthcare costs.