How to Get Help Paying Medical Bills Debt

You can get help paying medical bills debt from a variety of sources. Whether due to a catastrophic illness or loss of a job, there are ways to find relief from medical bills.

Instructions

1

SCRUTINIZE HOSPITAL CHARGES: Did you know that 80% of hospital bills are wrong? That is an amazing statistic. From overcharges for items used or unused but billed for, to charges for services that never took place, hospital bills are full of errors. Never just pay the bill. Always look it over carefully, and if the hospital only sent you a summary, ask for a copy of the full details of services rendered. Dispute any errors you find.

2

GET MEDICAL BILL CLAIMS ASSISTANCE: If you have a very large and complicated bill to sort through, hire the help of a professional. A Claims Assistant Professional, or CAP, can help you find errors in your bill, help you dispute the charges with the hospital, and help getting the insurance company to cover costs they are refusing to pay. The Alliance of Claims Assistant Professionals can assist you in finding a CAP near you. A CAP will charge for their services, but they can save you thousands on your bill.

3

INQUIRE ABOUT HOSPITAL DEBT PROGRAMS: Most hospitals have debt programs that can assist you in coming up with a plan to reduce your bill. Sometimes you can get your bill reduced by up to 25%, just for asking for help. They will work with you to come up with a plan for making payments that you can afford.

4

APPLY FOR GOVERNMENT ASSISTANCE: Many states and counties offer some help with medical bills debt. Check with the hospital billing or social services department. They can help you find out if you meet eligibility requirements.

5

CONNECT WITH CHARITIES: If you have a certain illness or condition, and there is a non-profit or charitable organization dedicated to it, you may be able to get help paying medical bill debt related to that illness. For instance, if you have cancer, you can find many such organizations on the National Cancer Institutes website where you can get information and financial assistance.

6

HIRE DEBT RELIEF AGENCIES: There are many agencies who would love to help you with paying medical bills debt. For a fee, they will help you reduce the amount you owe and set up payment plans that can get you out of debt. They will negotiate with the hospital or doctors to get a plan that you can live with. The cost you pay for the fee is usually worth it for the amount of money you will save on your bill.