If you have high medical expenses, it can be difficult to know where to turn . Medical bills usually appear when people are least equipped to deal with them -. when they or a family member is sick or injured
They may even be absent due to illness or surgery
[Fortunately, there are several steps you can take to deal with medical debt. Start:
1. Be a medical consumer.
The doctors and medical facilities generally do not publish price where you can see them. You can have no idea of what an office visit or procedure costs until you get the bill. You may be able to get the same service elsewhere for less money elsewhere. Shop around, when possible.
Do not be afraid to ask your healthcare provider and tell him that you do not want to unnecessary tests, prescriptions, and so on.
2. Check your bill.
Never pay medical bills that you do not understand. Tweet this
This is especially true if you get other supplier invoices, such as laboratories and radiologists. Errors and even fraud are too frequent.
Read all lines of your bill, ask your primary provider if you are unsure of a charge is correct.
3. If you pay cash, ask for the cash rate.
medical providers to save time and paperwork when you pay cash. They may have a reduced rate if you ask.
4. If you can not pay a bill, ask for help.
Hospitals and other institutions to systematically reduce bills based on the patient's ability to pay. It is not automatic -. You must speak with a representative of the patient and seek help
You may be required to complete a budget and provide other financial information, and arrange a payment plan. It is important to talk to the representative as soon as possible.
If you wait until the bill goes to collections, it may be too late.
5. Seek help from charities.
You might be able to find a charity that helps people with a certain disease or condition. Many resources, financial and non-financial, are available if you can find them.
6. If you have huge medical bills and other bankruptcy may be a last resort.
Bankruptcy should rarely be necessary if only your medical bills, because medical providers are relatively flexible compared to other creditors.
However, in times of stress, a lot of bills tend to accumulate. Do not feel that you have failed if you need to file for Chapter 13 or Chapter 7 bankruptcy. Bankruptcy laws are designed to help people who have insurmountable debts, especially after a major crisis.
Avoid putting medical bills on a high interest credit card or one that charges a cash advance advance fees. You are almost always better to make payments to a medical provider as a bank or other lender.
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