If you're uninsured and paying out-of-pocket for hospital or doctor services, don't be afraid to try these proven ways to negotiate medical bills.

Divorced spouses may not qualify for benefits such as health insurance, which must then be paid out-of-pocket.

Ask your medical providers what they will charge and what you will be expected to pay out-of-pocket.

You'll likely need to pay out-of-pocket for these drugs and submit a claim to your drug plan for a refund.

I remained diligent about physical therapy, paying out-of-pocket when my insurance coverage ran out.

They have been paying $100 out-of-pocket for her medication each month.

Other Canadians are mostly covered by workplace dental plans, but many have to pay out-of-pocket.

Here, she shares the key questions to ask so you don't end up paying out-of-pocket for your medical expenses.

If he or she does not participate in your health plan, how much will you pay out-of-pocket for visits to this provider?

Explained what my insurance will cover and what I must pay out-of-pocket?