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Money Rehab with Nicole Lapin

How Nicole Negotiated Medical Debt: Listen and Learn!

20 Nov 2024

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Last year, Nicole had a medical scare... which only got scarier when the bills started rolling in. Today, Nicole shares how she negotiated her medical bills and takes you behind the scenes of a real conversation she had with a medical provider.

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Full Episode

2.148 - 30.639 Nicole Lappin

I'm Nicole Lappin, the only financial expert you don't need a dictionary to understand. It's time for some money rehab. All right. Last year, you might remember I had a medical scare. I was all of a sudden reading a script and felt like I was seeing double. And then I laid down for a second and I was like, I'm fine. I'm fine. And then all of a sudden I started getting numb and it was my arms.

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30.799 - 37.363 Nicole Lappin

And then I thought maybe that's just a fluke. It kind of spread and my speech started stirring.

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37.663 - 62.201 Nicole Lappin

that's when i got really scared i knew something was wrong and because of how i was feeling i couldn't see i couldn't speak at that point i couldn't drive myself to the hospital i mean maybe i could have called an uber or lyft but i didn't want to pass out in a car with a stranger so i called 911 and i rode in an ambulance i spent the day in the er and over the next several weeks i had to take tons of tests and was under doctor's orders to take at least a week off of work

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63.161 - 83.512 Nicole Lappin

I was scared. Honestly, I had no idea what was going on with my body or my brain. I WebMD'd the heck out of all of this, and it just scared me more, as it always does. Also, I think we can all agree that there's nothing more stressful than someone telling you, especially a doctor, not to be stressed. It's like when someone tells you not to think about something.

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83.592 - 103.186 Nicole Lappin

Obviously, you start thinking about that thing, right? So there I was trying not to be stressed about my health or work, and then... money because the bills started rolling in because of all of these special tests and doctors. One of the biggest bills I got was for the ambulance, which was around two grand. That felt like an outrageous amount of money for emergency care.

103.626 - 114.715 Nicole Lappin

So despite doctor's orders, I did what I do whenever I feel like I'm being overcharged. I went to dispute the bill. I called up the ambulance company and of course I recorded it. Here's how it went.

125.971 - 133.974 Mark

Thank you for calling PMS Services. May I have the account number you are calling about?

134.715 - 136.976 Nicole Lappin

Yes, certainly. How are you?

136.996 - 138.937 Mark

I'm good, and you?

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