A Hospital Bill Shouldn't Change Your Life. Let Us Fight It For You.
Sun Health & Dental members never face a hospital bill alone. Our dedicated Hospital Bill Negotiation team works directly with hospitals to reduce what you owe — and the results speak for themselves.
An unexpected emergency room visit, surgery, or hospital stay can generate bills of tens of thousands of dollars. Hospital bills frequently contain errors, duplicate charges, and inflated pricing — and most people don’t know they can be challenged.
That’s where we come in. As a Sun Health & Dental member, you have access to our in-house Hospital Bill Negotiation Department.
Hospital Bill Negotiation by Our experienced team:
- Reviews your hospital bill line by line for errors, overcharges, and unnecessary fees
- Negotiates directly with the hospital on your behalf
- Works to bring your total amount owed down to a fraction of the original bill
Sun Health & Dental includes an in-house Hospital Bill Negotiation service at no extra cost to members. The team reviews your hospital bill line by line for errors, overcharges, and unnecessary fees, then negotiates directly with the hospital to reduce what you owe. In 2026, the negotiation team reduced members’ total hospital claim amounts by an aggregate average of 93%, meaning a $50,000 bill could be negotiated down to roughly $3,500. This service is included with membership, with no extra fees or fine print.
The Results
In 2026, our negotiation team has reduced members’ total hospital claim amounts by an aggregate average of 93%.*
That means a bill of $50,000 could be negotiated down to roughly $3,500 — often less than what many insured patients pay out of pocket after their deductible.
This service is included with your membership. No extra fees. No fine print. Just an experienced team in your corner when you need it most.
*Based on the aggregate average of negotiated reductions across member hospital claims in 2026. Individual results vary and are not guaranteed. Sun Health & Dental is not insurance but is licensed and regulated by the Florida Department of Insurance.
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FREQUENTLY ASKED QUESTIONS
How much can Sun Health & Dental reduce my hospital bill?
In 2026, the negotiation team reduced members’ total hospital claim amounts by an aggregate average of 93%. For example, a $50,000 bill could be negotiated down to roughly $3,500. Individual results vary and are not guaranteed.
Does hospital bill negotiation cost extra?
No. Hospital bill negotiation is included with your membership at no extra fees and no fine print.
How does the bill negotiation process work?
The in-house team reviews your hospital bill line by line for errors, overcharges, and unnecessary fees, then negotiates directly with the hospital on your behalf to bring the total down to a fraction of the original.
Why do hospital bills need to be negotiated?
Hospital bills for emergencies, surgeries, or stays can reach tens of thousands of dollars and frequently contain errors, duplicate charges, and inflated pricing that most people don’t know can be challenged.
Who handles the negotiation?
Sun Health & Dental’s dedicated in-house Hospital Bill Negotiation Department, an experienced team, works directly with hospitals on your behalf.