Medical Payment Plan Calculator

Compare payment plan options for medical bills and determine the most affordable way to pay. Medical debt is often negotiable, and most providers offer interest-free payment plans.

Payment Plan Types:

• Interest-Free: Most hospitals offer 6-24 month plans with 0% interest
• Standard: Third-party financing (CareCredit, etc.) at 0-25% APR
• Extended: Longer terms with higher total interest costs
• Hardship: Reduced payment plans for low-income patients (ask billing dept)

Before Accepting a Plan:

• Request itemized bill to verify all charges are correct
• Ask about financial assistance, charity care, or payment discounts
• Negotiate the total amount before agreeing to payment terms
• Get all agreements in writing before making first payment

Important: Medical bills don't affect credit until they go to collections (usually 180+ days). Use this time to negotiate and arrange payment plans.