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.