Free Debt Management & Bankruptcy Articles

Professional Authors - Professional Articles

How to Get Help for Your Medical Debt

If you have a bunch of medical bills piling up and you are getting more and more in debt because of them, there are ways and sources that you can turn to for some help on the matter. It doesn't matter why you have the debt, could have been from a catastrophic illness or injury or the loss of a job leaving you with no insurance, there still are ways in which you can get some relief from this kind of debt.

First off, it is very, very important that you really scrutinize the charges that you receive from the hospital. It's hard to believe but about 80% of hospital bills are totally wrong. That's right around 80% bill incorrectly. This can be anything from overcharging for items used or charging you for items you never used to charges for things that never happened. You need to understand that hospital bills can be just filled with all kinds of mistakes. So never even think of paying the bill until you have looked it over completely and make sure to ask for the full details of everything that you are being charged for. Once you find things you know that you never got then you need to dispute these mistakes and make the hospital take a closer look.

If you end up with a bill that is far too complicated for you to figure out and you are also having problems with your insurance company, it might be worth the extra money for you to hire a professional medical bill claims assistant. This is a person that can help you find the mistakes on the bill, help you to dispute the mistakes and charges with your hospital and they can even help to get your insurance to pay things they don't want to cover. You can go online and look for the Alliance of Claims Assistant Professionals website and they will help you find an assistant in your area that will be willing to help you on your medical bills.

Depending upon the kind of hospital that you were at most of the hospitals do have in existence what are called debt programs and these will assist the patient with coming up with a way that they can reduce the bill. Sometimes they will reduce the bill by 25% and if you are lucky enough to have been in a not for profit hospital you may even get your bill waived if you can prove that you are financially unable to pay for such an expense.

You can also think about trying to apply for some sort of government assistance. There are a lot of states that will offer some sort of help for medical bills and you won't know unless you check into it. You can check with the hospital or with your local social services department. They will be able to let you know if you are eligible or not.

Don't forget to contact your local charities. If you have a certain kind of illness or condition and there happens to be a charitable organization that is dedicated to that illness or condition there might be a way in which they will be willing to help you pay your medical debts. If you have cancer, there is nothing wrong with getting a hold of the National Cancer Institute and get information on getting financial assistance from them. That's what they are there for.

If you can't find help from elsewhere you could always try and contact a debt relief agency. For a fee they will be more than happy to help you to try and pay off your medical debts. They can help try and reduce the amount of the debt for you as well as set up a reasonable payment plan that will help you get out of the debt. They can negotiate with both the doctors as well as the hospital to get a plan that everyone can live with.

Note: Whatever you do, don't try to handle this on your own, there is no shame in seeking out help.

Michele Alano commented on 06-Sep-2015 12:00 PM
Wow, Thorough information.

Foster Wimbs commented on 30-Jul-2016 08:04 PM

Post a Comment

Captcha Image

debt collection agency monthly payments spend money visualization installment plan good budget paycheck lose your job expenses payment behavior debt management mistakes charitable organisation child support debt fly-by-night monthly budget debt management advice insurances gambling problem cash card management program budget tracking money financial education sickness deb consolidation income hospital credit card help credit card companies budget categories live your life Consolidation Company management tips payment frequency loss of income installment plans buying a house take control of debt borrow money interest rates building debts bills bankruptcy unreasonable expectations credit card traps interest payments pay off bill debt programs child support overbearing bills past bad debt salary great budget ideas debt management whole family credit repair debt consolidation domestic support negotiate honesty credit score losing a job credit report own money credit card company making payments checking account flat broke borrowing checks spending regain control borrower finances worksheet cash repay loans good credit record savings debt collector help good credit rating household items piling debts paycheck info ill health seperate accounts debt company credit card debt overcharging secured loan loan agents live within means debt relief social services loans teaching children finance debt solution become free home equity home debts asset info understanding savings account cable bill loan harassment second job get out of debt receipt budget ideas personal finances debt problems help with debt job loss loan companies financial security professional debt payment period children budget bad debt utility payments credit accounts purchase protection payday loan credit company chapter 7 unsecured loan debt management tips modified payment plan home equity loans full details internet account fees school jobs security extra money common debt traps emergency savings account unexpected expenses mortgage payments lending companies management advice family assistance medical bill prioritizing investing debt relief agency account interest money great budget paying out debt credit history account charges software monthly payment purchases consumer lawyer initial research illness your rights family budget medical bills house loan credit groceries control spending bank down payment filing bankruptcy careful handling car loan understanding home equity loan amount debt free interest younger children total balance budget sheet insurance overspending unemployed help credit scores doctors low interest debit card common debt comfortable living order report phone calls bank accounts monthly bill rent payments original creditor high interest rate Chapter 13 debt collectors more income need money paying bills debt consolidation medical debt credit bureaus debts part time job invest money lending company good debt interest rate creditors repayment plans payday loan companies handling money good credit candidate gambling debts liability managing debt discounts negotiation learning experience specific budget categories allowance credit companies save money debt settlement bad financial decisions legal action credit checks stop harassment hobbies implement a budget extra payments budgeting telephone bills loan repay credit cards credit line bad debt management cancer mortgages credit card child spending ongoing bills debt consolidation loans education check card trusted friends back support credit rating tax info deals in writing debt traps court appearance assets short sale less money rebuild good credit classify bills personal finance taking responsibility losing your job debt credit limit restrict spending new job pay off debt saving reduce debts introductory offers children saving government assistance injury saving money credit reports

Copyright 2016 - Free Info Site Enterprises
Privacy Policy  |  Copyright Policy  |  Website Use Policy  |  Non Endorsement Policy  |  Contact Us  

Finance Blogs
best blogs