Harp, you're going to be making a lot of people's lives happier! Good post!
How to Erase Your Medical Debt
As most of you know, the cost of healthcare in the United States is outrageous! (Sicko, anyone?) For those lucky enough to have good medical insurance, an illness or an injury does not become a financial burden. However, for those without insurance or with sub par insurance plans, a seemingly small injury can quickly turn in to an emotional and financial ordeal. Interestingly enough, one of the best-kept secrets in the healthcare industry is that there are financial and charitable aid programs available to alleviate the financial burden caused by medical expenses.
Almost every hospital has a charitable or financial aid department associated with the billing and collections office. With out getting into the particulars, the financial aid department has a “magic wand” that can erase some, if not all, of your medical bills.
Who qualifies for medical financial aid?
To qualify for 100% elimination of your medical bills, most hospitals require that your annual income does not exceed 200% of the federal poverty level. If your income exceeds set limits, you can usually qualify for reduced financial aid.
Additionally, if you earn an income well over the federal poverty level, but a medical disaster creates bills that exceed a certain percentage of your income, then the financial aid department will usually offer aid to cover some of your bills. Most hospitals set a limit of medical debt-to-income ratio of 30%. If your medical bills exceed your income by 30%, most financial aid departments will pay for the portion of your bills over 30%.
The catch with receiving aid from a hospital’s financial aid department is that you have to exhaust all other available resources. First, you must utilize your insurance, if you have any. Second, you must apply for and use any other public medical benefits. If you still have medical bills after exhausting other resources, then the hospital’s financial aid department will consider your application.
How to you apply for medical financial aid?
The easiest way to find out if your hospital has a financial aid department is to ask. Call or stop by the billing office to inquire about financial aid for your medical bill.
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You will usually be required to submit proofs of income for the 12 months preceding your medical care. This is how they will calculate your “annual” income.
You will also be required to list you assets. The financial aid department will want to know whether you have money in savings, checking, a certificate of deposit (CD), Individual Retirement Accounts (IRAs), trust funds, or equity in real estate that is not your primary residence. Most hospitals will require a statement from your financial institution detailing your assets.
If you do not have a job or assets, you will need to sign an affidavit indicating this.
When should I apply for aid?
As soon as possible! Most hospitals have a relatively short time limit (6 – 12 months) for applying for aid.
This sounds difficult and like a lot of paperwork.
It may take some time to fill out the paperwork and gather all of your supporting documentation, but a few hours of work could erase thousands of dollars of medical debt. Plus, you never know until you try.
I recently had a client who had $75,000+ of medical debt. (Yes, she gave me her permission to write about her.) This client went to the hospital’s financial aid department on Monday, gathered her supporting paperwork and documentation on Tuesday, submitted her forms on Wednesday, and had her medical debt erased by the following Tuesday. With 5 total hours of work, she was able to have $75,000+ in medical debt erased. Not only was a financial burden lifted off her shoulders, but an emotional burden was lifted too.
Best of Wise Bread
Thanks so much for sharing this with us. If you have any tips for dealing with stupid-head insurance that refuses to cover your medical bills, I'd love to hear about that, too!
Recently a friend was charged $1400 to her insurance for lacing up a cut on the finger with a butterfly stitch. We were all outraged. This tip is surely one of the best I have come across all week. Thank you, I really mean that.
Wow, Victoria, that's crazy! $1400 for a stitch?!? I'd be outraged too! Thank goodness she had insurance.
That's really interesting. I watched Sicko and thought there was no way out of huge bills.
I guess I'm wrong. There is one solution.
I really appreciate the heads up. That may come in value one day.
Carl Zetterlund
:)
Rather than playing the for-profit insurance game, we need a single-payer system similar to Medicare. Removing the for-profit insurance companies from the medical equation reduces medical costs by 1/3 and frees up doctors to practice medicine (without having to consult with clerks).
yes because having the government ration health care is so much better.
You had to know it would only be a matter of time before this got political.
Of course you meant to say "You had to know it would only be a matter of time before this got sensible.", after all anything beats what we have now
I think you meant to say "If your medical bills exceed more than 30% of your income" rather than "If your medical bills exceed your income by 30%"
Also, the comment above mine should be BALEETED!
My insurance has a $5k deductible. I just had minor surgery totaling $4500 and was told by the accounts payable person (who first checked to see if I was eligible for any financial aid) that if I pay in full within 30 days of being billed, if I specifically ask for a "prompt payment" discount I can get 10% off of my bill. She said that they won't tell you this - you just somehow have to know to ask. I doubt all hospitals do this, but if you can pay in full it's worthwhile to find out.
This is wonderful news about the hospitals, but what do you do if your medical bills have gone beyond the hospital and are now in the possession of a collectin agency? No dice, right? Or is there some way to negotiate that as well?
Linsey has written an excellent post on consumer rights associated with collection agencies. If you owe money and have exhausted other sources (e.g., insurance), I would suggest that you negotiate a payment schedule with the collection agency or the hospital. Having personally tried to negotiate a discount with my hospital for a service that I did not believe was rendered as suggested by the hospital (nursery care at midnight for my child who was born after midnight and released the next day), I can attest to the difficulties of dealing with hospital administrators; the accounts receivable department (who you should most likely be dealing with now; or with the collection agency) was slightly more reasonable and allowed me to not incur interest charges while we tried to settle the dispute. At this point, however, for you, the hospital may be happy to see your money and may welcome some negotiations; though you may not get a discount, hopefully you can pay over time.
Where I live, there is a foundation that funds the medical aid relief, which is administered through the patient services department. There may be other possibilities for outside aid, but you may consider contacting charitable foundations in your area.
Thanks a lot for the information on asking for financial assistance. My husband just suffered a heart attack. Who knows how much this is all going to be. I cannot even imagine. We do have insurance, but pays VERY little. I am really hoping and praying that our hospital offers this, as it sure would be a BIG weight off of our shoulders right now.
Once your bill is in collections, the only ways that I'm aware of to get them out of collections is through court (bad, bad option) or by asking the original company to take the accout out of collections. This last option only works occassionally and depends on the original company and which collection agency purchased your account. However, even if your account was pulled out of collections, you might not qualify for medical financial aid. Remember, most medical financial aid provided by the hospitals is only offered for a certain amount of time after you incurred the bill. You may be able to use other community resources, as Julie suggested.
I was a domestic violence/battery victim in 2006. I did not have a job or any kind of insurance to pay for the injuries I suffered from in May of 2006. My debt from my visit to the hospital's ER is somewhat over $7,100. I had a head injury so I had to have ct scans done and x-rays for other injuries. They didn't take photos of my injuries, they knew it was domestic battery. Well, we were going to go to civil court over the bill to see about making the abuser responsible for the payment of the bill. Before we could get the ball rolling on this, my dad got really sick. He was in and out of the hospital during the holidays, then passed away the April of this year. He hadn't gotten life insurance yet so we had to pay for the funeral costs. My family is just a small town middle class family. We had to sell a lot of stuff to come up with nearly $10,000 to pay for his funeral costs. Then my mom suffered a stroke just 2 months later. We are struggling now. I guess some of you know how long it takes to get Medicaid and Social Security disability. Well, we've ony had the option to sell 95% of all our things. I'm my mom's only local family that actually cares, so I've had to be her caregiver throughout all of this, making it nearly impossible to work for at least 3 months now. Jobs are hard to find in our town anyway. I am trying to find one now, but how am I going to, we just lost our phone. All my apps and resumes that were out there had my old number on them. Well, again about the debt, even before my dad got really sick, he had debt from before he got his Medicaid and Disability. It has been 8 years for my parents, of bad debt due to not having medical insurance and having to wait for medicaid and disability. During my dad's illness and death and my mom's stroke and recovery I missed the 6-12 month window on my own debt for any financial assistance. So, now I'm basically screwed. I have read where some employers won't hire you if you had bad credit, isn't that a messed up cycle that can't be broke. I want to work to pay my debts off and pay my bills, but can't get a job to do it. Anyway, I don't know what to do. My fiance just got a job, but he's got a history of problems with credit too. I just love this country. Until I can find a job, my fiance is going to have to pay for his work supplies, his own needs, my needs and my mom's. He does make good money for our town, but it's only good for basic needs, not 2 households of bills, food and pets. I know I'm going on and on about all this, I just want to know what I should do. Should I still try to take my abuser to civil court over my ER debt? That really is my only other option. BTW, I'm in Indiana. HELP!
DNK
In Alabama we have a general fund set up by the state to cover the costs of medical treatment to resident crime victims. You might want to call your local reps office to see if you have the same in your state.
As far as insurance companies go, you should never buy a policy where your deductible is over $1000 unless you need yearly extensive care. Here's why : with a high deductible the insurance company is counting on 1. not having to pay much more than that thousand or 5000 in someone's case above which means they pocket your premium and say ha ha thanks. 2. If you have something come up that they have to pay they usually cover such a small percentage you STILL end up with enormous bills and they dust off their hands without a care.
When buying insurance make them show you what they pay for, ask how many visits they pay for, ask what your cost would be and ask until you understand!! They don't want you to know they are scamming you.
You are better off putting what you'd pay for a premium in a high yeild savings if you are healthy. And add more coverage to your car ins to cover injury and bodily damage in case of an accident, or you homeowners ins for falls etc... there are other ways the best thing you can do is educate yourself and if you don't understand something ask until you do!!!
Keep in mind that while charity care is a GREAT help, it does not cover fees for surgeons, anesthesiologists, radiologists, lab tests, etc. We're in the midst of this problem now and would love some info on reliable sources of charity care that cover these additional costs, which are still very substantial. One thing I can say is if possible, go to a private Christian hospital. They have their own sources of charity care instead of state-funded care and cover more.
I recently had a burst appendix a week after getting married and only about 2 months into a new job. My first decent paying job, and was about 20 days out from having insurance through the company.
I was in and out of two hopsitals for almost 2 weeks till they took out the infection and what not. I now have almost $60,000 in debt from the time in the hospital and the Community Care through an outreach program with the hospital completely denied me any money off of the bill. I couldn't believe it. I am now 3 weeks back at work after being off for over two months. It's gonna take us 4 months+ to catch up with bills and even then are probably gonna have to file Chapter 13.
I have worked since I was 15 and now my first decent paying job actually screwed me.
I guess I was most furious also that my wife and I while I was not working (she makes very little) were only approved for 41 dollars a month in emergency food stamp help.
I guess the solution for a middle class person such as myself would be to get my wife pregnant, have a couple of kids and quit my job.
Maybe then the state would step up....oh but wait I don't want to be like that. I want to work.
I guess you only get breaks if you extremely rich or extremely poor in this world.
I should also mention what one of the hospitals did to me. I was leaving there (3 hours from where i live) and having family drive me home so I could meet with my personal doctor 2 days from then. I needed to bring with a copy of my CT scans. The Mayo Clinic in Rochester would not hand them over to me but rather said they needed to be mailed to me. Not to my Doctor, not to the hospital but mailed directly to me. How stupid is that, I was right there, why not hand them over? I'll tell you why. Because a week after them being mailed to me on top of my other bills I got a seperate bill for $46 for Fedex shipping and $6 to burn the scans onto a cd.
Nice huh?
I went to a halloween party, got dosed with GHB (date rape drug) i came home and the next morning vomited and breathed it into my lungs. I stoped breathing, im not sure how long i was unconcious like that, but they called the ambulance. They saved me after ton's of drugs and tests, throat tubes, the works. Me and my Husband got let go from the company we were working, and they shut down. We arn't elegible for cobra if the company closes, i just had a baby so i weigh a bit more, and was denied health insurance because of my "pre-existing condition" We havnt got the bills yet, but we think we are looking at a quarter-million dollars! We dont make much money right now, but my husband does have an 80,000 dollar boat in his name that belongs to his father. Also we his dad gives us the money and we pay all of his bills for him, so as far as bank statements go i dont think we qualify for any assistance. We are going to apply anyways just to see. I am so screwd! I dont understand why they make it impossible for you to get any health insurance, they screw you so hard when something happens. I think this is retarted!
I recently shattered my ankle at a an establishment and have already attained $25,000 of bills. I am aware that my hospital has charity care, but I was told that I am not covered because it happened at a restaurant with a private owner. I was told my only option was to sue the restaurant, which I have decided against doing because it was in no way their fault. Do you know if there is anything else that I am able to do to be offered at least some charity care?
Thank you for any help.
There are options available when dealing with a hospital or your insurance company. A patient advocate may be exactly what you need to fight the battles on your behalf. It is like hiring your own experts in the field to represent you to the medical providers or insurance company. Talk to them first and feel comfortable with your representation!
Hello Jessica what you have written has given me hope, but my situation is a little diffrent. My son after a heart attack has been unable to work or really have a life. We had Blueshield I believe and was in process of changing providers, just on this week laps he had a heart attack this took place aprox. six years ago. The bills have sky rocketed to 75 to 80,000 dollars. There is no way he will ever be able to pay this amount since he does not have the ability to work or rather has no income. He lives with me and helps me with my buisness through anything I can dream up but he is limited. But, to the point what can we do. I don't wish to overstep any line but can you help us please in any way?
Thank-you Pilar de olave
Contact the hospital, doctors, etc and see if they will eliminate the debt. Check with your local Medicaid about getting insurance as you never know when you will need it. Try to fina good social worker through a local charity, hospital, or nursing home. You may want to contact you state health & human services. They may be able to help with getting him on disability and may have other suggestions to help. Sorry I cant be of more help but I hope someone out there can.
We are patient advocates...we can get your medical debt reduced up to 100%. It costs nothing to make the call.
www.hcmediation.com
888-719-9463
I have terminal cancer and am receiving palpative care. In the meantime, the bills are all being sent to my wife. I hold the full time job with insurance until such a time I go on disability. The billing department where I see the Oncologist, tells me this is normal. Are they looking for someone to hang the bills on when I am gone?
I'm facing almost $120,000 worth of medical debt after suffering second-degree burns that cover most of my back. I'm currently a graduate student, no job, no health insurance, nothing. I've spoken with the business office of the hospital, inquired about assistance, etc. They pointed me to their charity office: I spoke with one of their representatives and the first thing she told me was "We don't give out charity." That was about the extent of our conversation.
Right now it looks like I will be responsible for the entire cost of my bill. I applied for Medicaid and was rejected. No one at the hospital has mentioned anything about a financial aid department, so I'm assuming they don't have one. It looks like my only option is to declare bankruptcy. I'll probably have to drop out of school. Any advice?
For anyone who has MEGA health and life get out of it right now, they will pay nothing for you when you need it even if you have their "best" plan. My boyfriend had endoscopic surgery for inflamed nasal pasages, tonsillectomy, and adenoidectomy. They are now calling "sinusitis" a pre-existing condition and therefore will not pay for the surgery. He also was having knee problems at the same time, they won't pay for the x-rays and physical therapy he had to go for. With the surgery he was off work for 3-4 weeks, they said he would be getting disablilty pay through their insurance. None of which they said was true. 2 weeks after my boyfriend had purchased this plan the insurance agent retired. He is now facing a total of at least $21,000 at 3 different facilities...what can we do?
In January I was charged over $3,000 for an emergency room visit while on vacation in San Francisco. My treatment consisted of one saline IV and one dose of anti-nausea medicine. I was billed $3,000 AFTER insurance. When I called the hospital and told them my annual income was only $12,000, the only thing they did was offer to let me make monthly payments for the next two years. I'm guessing they won't offer you any help if you don't know what to ask for. I'm going to call them first thing in the morning to pursue this further.
I ended up in the hospital with no insurance I did the charity care and they did erase the hospital stuff but not doctors fees they said they don't cover any of that do you have any suggestions for the doctors fees of it? I've been buried under this debt for a while now its killing my credit score
This really works. I was a full time college student with disaster medical insurance. I ended up having to have lung surgery and my insurance refused to foot the bill, citing pre-existing condition since I had been treated for this kind of thing before with a different insurance company. The total bill was somewhere between 40-60,000.
Since I was a college student and made probably a max of 6,000 a year working part time, the hospital and clinic dropped their entire bill. Unfortunately, hospitals are sneaky and different departments bill seperately. I am still paying off about 9,000 4 years later. The worst part, the bills were sent to collections and now they are trying to make me pay INTEREST.
I have accumulated about 22,000.00 in medical debt over the past 5yrs and the collection agency has put a lien on my home, i have been making payments for the last couple of years but they do not even cover the interest i am being charged, my husband was reciently laid off due to the economy (like soo many others!) i cannot even refinance my home becouse it does not appraise high enough to cover even the medical can anyone give me any advice that would be great!!! thanks
IF YOU HAD NO IDEA THAT A PROGRAM LIKE THIS EXISTED, WHAT ARE YOUR ALTERNATIVES. IT IS DIFFICULT FOR ME TO APPLY FOR ANY KIND OF CREDIT OR EVEN GET A HOUSE BECAUSE OF MY MEDICAL DEBT, AND CONSOLIDATING COMPANIES WON'T HELP ME, BECAUSE IT IS NOT AN "UNSECURED DEBT" MEANING IT IS NOT FROM CREDIT CARDS. WHA WOULD YOU SUGGEST
My son is participating in Clinical Trial at the Mayo Clinic in MN. The only thing covered by the trial are the meds. All other expenses are out of my son's pocket. We need for the meds to work as without a medical solution, he is facing quadriplegia... or worse. We live in another state (TX) and the cost of the weekly/monthly visits (for the next 2 years, 2 months) to and fro are adding up. Each day trip with transportation to and from the Mayo Clinic is costing approximately $450-$500. Does anyone know where or how to find assistance for the medical travel expenses? I've contacted the airlines - they offer a 5% discount (no help - he gets a better rate making airline reservations via the internet). Just need to be pointed in the right direction. I am willing to do the research. Thanks in advance for any information.
There are other ways to reduce medical debt. Doctors and hospitals are open to negotiate. I reduced my medical bills by $20,000 just by negotiating. I wrote a step-by-step book on how you can do this too.....I guarantee it!
Glenn
My wife passed away two years ago from a single car accident. It was a hard time and as the bills came rolling in for her accident i didn't have the money to pay. I was a full time college student. To make a long story short. they are now popping up on my credit scores. i want to work something out but none of the places a even moving. What do i do?
b_starkes
For the first time ever in our 32 year marriage, we do not have any medical insurance, due to job lay offs. My husband, 54 years old, has been in the hospital 3 times since August of this year. Our medical bills are mounting, we owe about $30,000 to date. I have made arrangements for monthly payments,we have 5 different medical bills with the largest being the hospital at $23,000. They have agreed to a $25 monthly payment. We are both out of work and get about $1,000 month unemployment, total. The credit and collections dept. has sent me a "Financial Information" sheet to fill out and return to them. Some of the information they need is: Employer info, next of kin, list of our bills and amts., own or rent, checking account info, savings acct. info., banks, own real estate, own vehicle, make, model, year and tag # of vehicles. Martial status, all info on spouse as well. Do I have to furnish this info? Is it to my benefit, their benefit? Can they put a lein against our home? (we still owe on home). We live in Alabama, any insight you can offer would be greatly appreciated. Thank you.
I had $50,000 worth of medical dept from a hospitalization, and after applying to the charity department of the hospital got it erased. BUT I still have $3,500 in radiology bills that I cannot pay and weren't covered by the charity department. (I'm 20 and still in school, I have 2 jobs and still don't have enough to even live on...)
Are there ANY options for me? I can't do a repayment plan, I don't have enough money to make monthly payments...
i've been reading these comments and there is a ton of info i could have used about a year ago. all but one of my medical bills, whic soon will be too, have been sent to collections. i made it perfectly clear to the hospital and clinics i went to that i did not have a job or insurance. they didn't offer me any finacial aid, which i do know they have becuase they offered it to my sister who has an income, and then they harrassed me about paying the bills. they said i either had to pay $75 or more. in november they contacted me and said i could have been paying $30 the whole time. i paid that month and the next month, before i even got a chance to pay, they turned it in to collections. i could have tried to pay the $30 a month if they had told me sooner. but my problem is they didn't offer me finacial aid when i told them i couldn't pay. isn't that some sort of discrimination?
My family has health insurance through my husband's employer - it's the best option available to us. My employer doesn't offer me any health insurance. Our 2-year-old was in the hospital for 4 nights last month with RSV (a very common respiratory virus). AFTER our insurance paid, WE have to pay about $4600! Our insurance covers 75% and we have to pay the rest - no matter how high it gets. I've been desperately looking for a secondary insurance option because I'm pregnant and we're going to get hit hard again in several months with labor & delivery costs - again, 75% covered by our insurance, that's it. Labor & delivery can easily exceed $10,000. There doesn't seem to be a secondary insurance option for us. Even WITH health insurance, your life can be screwed over with medical bills. What do you do?
Hi, I am a 34 year old woman who has struggled with several medical problems over a period of about 14 years now. I have a disease in which there is no cure for. I have horrible insurance which I pay high premiums and the deductable is also high. The bills individuallly aren't that high, but owe several places. I've already had to file for Chapter 11 five years ago due to these issues. All of these places want all of this money and I can't afford to send any of them anything at all and I'm tired of them constantly harassing me over this. I didn't ask for these problems! But of course I make just enough to not be considered "low income". I am actually moving to a different state to avoid having to go on disability, as where I live now is too cold and humid for my condition. Any suggestions for someone who simply cannot pay anything?? My doctors office won't even see me to refill my meds until I pay the past due balance, even though that was the one thing I was making monthly payments on. They had originally told me that if I was making monthly payments that there wouldn't be an issue and then went back on their word, so now I've done the same and stop paying them as I now need to order my meds from a different more expensive source! Help!! Any ideas??
I am in a real pickle. I cannot work outside of the house because I cannot afford daycare for my children. I make very little money at home, and I am on the verge of being eligible for Medicaid... just awaiting the final say on it. I have had 7 pregnancies in 7 years and I am expecting baby #4. I cannot make any payments right now. I had a USDA backed loan that was foreclosed on as I was advised I could declare bankruptcy on it and it would get us out from underneath of a house that we purchased under false information regarding the condition of the home. Now, I have been informed that the home cannot have bankruptcy declared on it as it is government backed and the debt will be sent to the Department of Treasury.
My husband has a 401K that may be able to cover that debt, and we are trying to figure out how to handle that... if anyone knows please advise...
Furthermore, I have high-risk pregnancies and have to see the doctor regularly. The doctor's office said I was "in-network" because the card had 2 carriers on it. Now, they have been informed that I am not in network which makes my deductible for 2009 and 2010 each $3000 for just me and then only coverage of 60%. This is going to kill us as we were expecting much more affordable increments. They are now hounding me even though they know I have been trying to figure out finances with Medicaid. They offered a 30% discount if the insurance ended up considering it a pre-existing condition like they had been calling it (if I could pay in full and of course I can't), but now they have taken that statement away... altogether.
Do I have any options at all? Do they have any responsibility to me for not having given correct information about the network status? Am I just going to have to look more seriously at bankruptcy? My husband's job took a pay cut of about 70% in the past 2 years and I have lost a large portion of my income as well.
Big thanks for the very valuable information. I'm also interested to know about debt and debt elimination like unsecured debt elimination. Looking forward to your discussion on that. Keep it coming! :)
I need some advice for my siser and her family. They live in Austin Texas. Last year her adult son had a very serious auto accident. He suffered a severe head injury and had surgery to remove a skull "flap" to alleviate the brain swelling from the injury. The hospital absorbed the cost of these surgeries due to my sister's financial situation. Now that he has recovered, he is ready to have the skull flap replaced so that he may begin to drive and work again. However, the hopital refuses to do this replacement surgery and is considering it "elective" surgery not an emeergency and therefore not eligible for cost relief. My sister's financial situation has not changed and she is not able to pay the approximate cost of $30,000.00 for this replacement surgery. Is there any charitable agency that she can contact for help in paying for this surgery? She and her son are becoming very depressed over his inablilty to get this surgery and go on with his life. Any help will be GREATLY appreciated.Thanks!!
good moring every one i have a qu if you have unpaid medical bills. from the past and how do you go about paying them off if you dont live in the same state any more. collections will let the banks know that you owe money but they wont give them info on how you can pay them back??????/
When people encounter medical bills they turn to the internet for help. The problem is information overload. The same confusion just like stated on the invoice in which they have received. They look on the internet for answers and don't get direct info pertaining to the bill/ invoice itself. There are tons of weak advice and free articles out there. There is a reason that info is free! The old saying you get what you pay for is never so true when it comes to handling medical bills. Now There is a report to help with those nasty bills,
For REAL help www.medicalbillmadness.com
V2.0 revised since passage of Health Care Bill,
is it true that if a person has a medical bill and its putting a burden on them that his or her minister can go in and explain this to them and get the bill taken care of for that person. if it is please contact me at bettyarbuckle46@sbcglobal.net. i am a minister and i would like to know . thank you.
If you've already tried some of the hospital organizations and charities that are out there, you might consider asking friends and family for help before you declare bankruptcy or do something else drastic like stopping treatment. Our system is broken, but you might be surprised at how much your community and loved ones can help. Online fundraisers for help with medical bills have been very successful for a lot of people, and are sometimes combined with more traditional fundraisers like pot-lucks or raffles. There are quite a few great online personal fundraising tools out there like http://www.gofundme.com/medical-bill-assistance/.
I need help, like a coach or someone who is willing to help me out. I lost my job while I had pnuemonia last year. This meant that I also lost my Medical insurance. My pnuemonia go worse and I ended up in the hospital where I had to have surgery. I know have with all my bills added together 65K in debt with the largest portion going to the hospital. I feel so overwhelmed I don't know where to start. I am working again but still not making great money and when you throw in Childsupport that I pay it becomes really crappy money. Any help will be appreciated.
How does it work if the medical injury that happened when you don't have any insurance causes the person to not work and not have an income, how do they figure it then as far as the government help, would it them be counted? My husband just fell 2.5 stories off of a roof and this was not an on the job accident, he shattered his pelvis, he had to be life flighted and he had extensive 5 hour surgery. I can't imagine how much it already is and he still has at lease 4 more days in the hospital and they want him to undergo a couple weeks of therapy. We are a family of 4 and I will now be the only one working and he has no benefits at work that will continue to pay him while he is off...Please help, any info is appreciated.
This info is great! Thanks so much! I am about to have a double mastectomy due to breast cancer and our insurance does not cover everything. I am not working and we are so stressed right now just making the mortgage payments.
I'm going to march over to the hospital today to see what I can do to start the process now before the surgery which is coming up on 1/27.
Thanks so much again!
Kathleen
