Paying for medical bills seems petty for people with a premium insurance policy that covers most, if not all, related expenses. But what happens if your insurance policy doesn’t cover your incurred medical expenses? If not prepared for, these expenses will enter insurmountable territory and prevent you from recovering financially. Here are four tips to help you pay for non-insured medical bills.
Know The Right Way Out
Many people who cannot afford to pay their medical bills choose to not pay them until they can get the cash. This, however, can be more damaging than it is helpful to your situation. Unpaid medical bills are eventually redirected to a debt collection agency. These collectors then inform credit bureaus regarding these unpaid bills, which ultimately have repercussions to your credit status. Depending on your financial circumstance, there may be federal or state programs that you can qualify for. If this channel is also closed, you can try your hand on charity care programs that are provided by some hospitals and physician offices. The billing department is usually the one who handles these inquiries so call them up to speak with a financial adviser or manager.
Consult a Lawyer
Find a law firm like J Peterman Legal Group that specializes in your specific needs. These professionals bring a lot of knowledge and actionable advice to the table. If you are currently in dispute with your insurance provider, hiring a lawyer is the only way to ascertain that you get treated and compensated for fairly and in the fastest time possible.
Talk With the Service Provider
Hospitals may seem like the last place you’d want to be haggling prices, but it is indeed possible to lower rates by negotiating with service providers. A hospital bill encompasses many small procedures that are provided by different specialists including X-ray technicians, anesthesiologists, and surgeons. Try talking with them to see if they can give you any discounts.
Nowadays, you can open a crowdfunding project for almost anything, given of course that the cause is worthwhile supporting. Try to do a crowdfunding for your medical expenses by knocking on friends’ doors and signing up on crowdfunding websites that allow you to reach a broader audience and contributions worldwide.
These four tips are only the tip of the iceberg when trying to scramble for ways to pay uninsured medical bills. With a bit of research, you can easily pay off medical bills without it getting out of hand.
This article is courtesy of Anita Ginsburg, a freelance writer from Denver who often writes about home, family, law and business. A mother of two, she enjoys traveling with her family when she isn’t writing.