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Whether you carry medical insurance, you will likely face an unexpected medical or dental bill at some point in your life. According to the Kaiser Family Foundation, nearly one in ten Americans currently have some kind of medical debt. And unlike other unexpected costs, medical bills are rarely optional.

There are a few tips and tricks to try before financing an emergency loan to cover medical bills. First, you will want to review all charges for accuracy, especially since billing errors are relatively common. Also check that your insurance policy — if you have one — has covered all eligible costs.

Next, ask if a discount is available for paying the bill in full. You may be able to negotiate to pay a percentage of the original amount billed if you can make a lump-sum payment within 30 or 60 days of your invoice’s due date.