Paying off medical debts

Paying off medical debts doesn’t have to be as hard as it might sound, even though it can be difficult. According to Time.com, you may be able to negotiate some of your medical bills. Of course, this may not always work but it’s worth a try. A Medicaid planning attorney may also be able to point you in the right direction. Here are a few tips that can help save money while paying off medical charges.

Look For Errors and Mistakes

Hospitals and doctor’s offices make mistakes all the time. Perhaps it was a simple coding issue, or maybe they thought you used more supplies than you actually did. If you spot any mistakes or errors on your itemized statement, dispute them right away. There could be duplicate charges or maybe the same procedure was coded two different ways, resulting in two different charges for the same thing. A simple phone call can help clear this issue up, and remember to use manners. The person answering the phone likely did not make the mistake, but may be willing to bend over backward to help a polite, sincere person who respects them and speaks kindly. Even if you only save $20 to $100, that’s more money in your pocket.

Ask For A Discount

Many clinics, hospitals, and private practices offer discounts for those who have no insurance, have large balances, or just have a limited income. Depending upon their requirements, they may just give you the discount if you ask for it up front or you may be required to fill out a financial hardship application. More often than not, patients skip out on bills, causing the hospitals and clinics to lose out on hundreds to thousands of dollars. They are usually more than willing to work with those who are making an effort to pay down their balance so they can recoup some of their money.

If you qualify for financial hardship, a large majority of your balance may be discounted or wiped clean. When the hospital sees that you have limited income to support yourself or your family on, they may even inform you of additional programs that might help cover some of your prescriptions. This is especially true if they have their own in-house pharmacy.

Apply For Government Assistance

Even if you’ve received a medical discount or are currently making payments on your medical expenses, applying for government assistance can help you save even more money. In some cases, you may qualify for Medicaid to pay some or all of your most recent medical bills. There are certain guidelines that need to be met, but the help is there for those who need it. Your state’s local public assistance offices may also be able to point you in the right direction. They may have programs that allow them to help those in need. Churches also offer similar types of programs to help people within the community pay their medical expenses. Community outreach centers are usually a great starting point.