hey y'all..
I've recently gotten some medical bills that I just can't afford to pay. My insurance hit the annual maximum benefit, so I got saddled with about $2500 in bills from 4 different billers. What are the best options for taking are of them? I'm not asking how to skip out on em, I'm going to be responsible and pay them,I just gotta figure out how.
I could ask each one to accept a monthly payment plan, but then that'd be 4 extra monthly bills to keep up with. I could put them on credit cards and then take advantage of a 0% BT offer from NFCU.. But that offer isn't active right now and of course there's no guarantee its coming back, so that would be taking a chance..
any other ideas? Just trying to examine my options
Thanks for the input!
Medical bills I can't afford...
Started by
euphoric85
, May 19 2012 06:54 PM
3 replies to this topic
#1
Posted 19 May 2012 - 06:54 PM
#2
Posted 19 May 2012 - 08:37 PM
One thing I've done is to wait until the bill is about 90 days past due, just prior to sending it to a CA.
I'll call and offer to settle and explain I just don't have the full $. I've had some success with it but not 100%. Also, you have to have the cash to settle in full.
I'll call and offer to settle and explain I just don't have the full $. I've had some success with it but not 100%. Also, you have to have the cash to settle in full.
#3
Posted 19 May 2012 - 08:38 PM
If the medical procedures were done in a hospital setting,even if it was out-patient,then contact the hospital and let them know your particular situation and let them know that your lowincome ( only assuming you are based on your post ) and ask that facitilty if they have any programs to help you.
All hospitals have programs to help folks with no insurance or those with insurance issues such as yours.
Fact: recently my own girlfriend who has insurance but maxed out her plan feel into the same situation when we had to take her to the hospital for an emergency situation.
The total cost was 12K plus 1100 for the ambulance.We contacted the hospital via mail as I just explained to you and within 2 weeks got a letter back explaining the entire bill/s had been covered.
My girlfriend then changed her policy so she won't have these issues in the future.
So try it,as it may help you and save alot of collection grief down the rode.Even if they won't cover it all and only cover say half of the bill,you can then set up a payment plan for the balance.
Hope this has helped you and if so let others know by paying it forward and help them as well.
Have a great week.
All hospitals have programs to help folks with no insurance or those with insurance issues such as yours.
Fact: recently my own girlfriend who has insurance but maxed out her plan feel into the same situation when we had to take her to the hospital for an emergency situation.
The total cost was 12K plus 1100 for the ambulance.We contacted the hospital via mail as I just explained to you and within 2 weeks got a letter back explaining the entire bill/s had been covered.
My girlfriend then changed her policy so she won't have these issues in the future.
So try it,as it may help you and save alot of collection grief down the rode.Even if they won't cover it all and only cover say half of the bill,you can then set up a payment plan for the balance.
Hope this has helped you and if so let others know by paying it forward and help them as well.
Have a great week.
#4
Posted 19 May 2012 - 10:19 PM
Much obliged! I didn't think they would be willing to do anything other than a payment plan.. Some of it (the smallest bills) was at a private office, but the biggest of it by far is from an outpatient MRI I had done at the hospital. I'll definitely write them and see what happens.. Thanks!
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