Think you know AARP? What you don't know about us may surprise you. Discover all the 'Real Possibilities'



Contests and

Dream Vacation Sweepstakes

10 weeks. 10 amazing trips. Seize your chance to win!
See official rules. 

Driver Safety

Piggy bank on the road - AARP Driver Safety

Take the new AARP Smart Driver Course!


AARP Foundation Tax-Aide

You can get free, face-to-face tax assistance nationwide.

Money Matters Tip Sheets

Download and print out these PDFs to help with your financial matters.

AARP Books

Visit the Money Section

Enjoy titles on retirement, Social Security, and becoming debt-free.


Learn From the Experts

Sign up now for an upcoming Money webinar or find materials from a past session. 

Jobs You Might Like

most popular



Ask Sid

Do Doctors Give Discounts?

Q. I read that you can get a discount on medical costs just by asking. I’ve tried, with no success. Any advice?

A. Studies show that only about 13 percent of patients ever ask their doctors or hospitals for a price break, but when they do, most are successful. However, those discounts are usually given to people facing high out-of-pocket costs with little or no health insurance. So if you have good insurance coverage, don’t expect your doctor to agree to waive a $25 copayment or charge you only $5 for a visit.

Still, your chances of snagging a discount are better if you offer to pay in cash up front or via an interest-free installment plan—especially if it will save the provider time, paperwork and haggling with insurers over reimbursements. Typically, insurers reimburse providers about half their billed amounts, but patients may fare best asking for a more reasonable 10 to 30 percent discount.

The time to politely inquire about a price break directly from the doctor (as opposed to the office staff) is before getting treatment—but after you’ve called a local health insurer about what it usually reimburses providers for that type of visit or procedure. You can also find cost estimates online from the National Institutes of Health.

Sid Kirchheimer is the author of "Scam-Proof Your Life" (AARP Books/Sterling).


Topic Alerts

You can get weekly email alerts on the topics below. Just click “Follow.”

Manage Alerts


Please wait...

progress bar, please wait

Tell Us WhatYou Think

Please leave your comment below.

Money blog

The Cheap Life

Jeff Yeager Cheap Life Ultimate Cheapskate AARP YouTube web series save money

Catch the latest episode of The Cheap Life starring Jeff Yeager, AARP's Ultimate Cheapskate. Watch

Discounts & Benefits