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 did not have a job or any kind of insurance to pay for the injuries I suffered from in May of 2006.
Should I still try to take my abuser to civil court over my ER debt? As far as insurance companies go, you should never buy a policy where your deductible is over 00 unless you need yearly extensive care.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.If you still have medical bills after exhausting other resources, then the hospital’s financial aid department will consider your application. The easiest way to find out if your hospital has a financial aid department is to ask. Carl Zetterlund :) Rather than playing the for-profit insurance game, we need a single-payer system similar to Medicare.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. 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. 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). I just had minor surgery totaling 00 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.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. 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.Where I live, there is a foundation that funds the medical aid relief, which is administered through the patient services department. 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.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.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. I guess some of you know how long it takes to get Medicaid and Social Security disability.