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Financial Assistance
Nonprofit hospitals are required to provide financial assistance to qualifying patients to reduce medical bills. You may be eligible for a discount or even be able to eliminate the entire bill.
The problem is hospitals do a poor job of making patients aware of financial aid that’s available and make it difficult to apply. For many, the process can be overwhelming. We work with a nonprofit that can help you determine if you qualify and apply for financial aid. And they don’t charge for this service.
Medicaid
You may qualify for Medicaid, a public health insurance program that provides free or low-cost health coverage to eligible low-income individuals and families.
Medicaid is designed to help certain groups of people, including low-income children, pregnant women, elderly adults, people and with disabilities. You must meet income and other eligibility requirements set by the state.
The program covers a wide range of health services. These typically include doctor visits, hospital stays, long-term care, preventive care like vaccines and screenings, mental health and substance use treatment, prescription drugs. as well as dental and vision care.
We can connect you with Medicaid planning specialists who can help you apply and, if you don’t qualify, help with planning strategies so you may be able to qualify.
Negotiation
Medical bills, especially hospital bills,may contain errors or charges for services that were not provided. Uninsured and out of network patients often are charged arbitrary, inflated amounts far in excess of the insurance reimbursement they would accept. However, hospitals may be willing to negotiate the amount you have to pay.
We can connect you with medical billing advocates to review your medical bills to be sure they accurately reflect what you should have to pay. They are experts in negotiating the amount of medical bills.
Insurance Denials
Insurance companies are notorious for unjustified denials of pre authorization requests and insurance claims even though the treatment or medication is recommended by your doctor.
This is extremely frustrating with the result that most people won’t challenge the denial and end up with medical debt or foregoing needed medical care. We can refer you to healthcare advocates who have the expertise to file an appeal.
Harassment by Debt Collectors
We can recommend a consultation with a consumer law attorney to stop harassment by debt collectors. Usually there is no charge for the initial consultation. You may even have a claim for damages.
These cases are often handled on a contingent fee basis and the debt collector may required to pay your attorney fees if you are successful.
Debts in Collection or Litigation
If your debt is in collection or a lawsuit has been filed, it is usually best to be proactive. The debt will not just go away.
We can recommend an attorneys that specializes in defending debt collection actions and we can refer you to a bankruptcy attorneys to review what you can do to protect your property.
Disclaimer
Our goal is educational; we want to help you understand the options to eliminate medical debt. We do not provide debt management or consulting or negotiate the amount of your debt. Our services are not intended to be nor should they be considered to be legal advice.