Medical bills are extremely costly and oftentimes individuals need help in order to avoid bankruptcy while paying them back. Before you find yourself facing a major financial disaster, consider getting help from a variety of outside sources. While hospital bills and other costs associated with your medical attention are higher than ever, many nonprofit organizations and medical companies exist to help you with your medical debt. Depending on the needs you have, there are many programs available. For instance, some drug companies offer free or discounted pills to those with ongoing prescriptions that do not have adequate insurance coverage or who simply cannot afford to pay the bill. You might also qualify for other forms of aid. Knowing your options is a great way to decrease your financial burden and avoiding further debt. Read on for some tips about how to get help with medical bills.
Many people don't know that they might be able to negotiate some of the costs of their hospital bill. Typically there is contact information for each charge on your hospital bill. Talking to the service provider takes time, but can oftentimes reduce a large chunk of your cost.
Setting up a payment plan is another way to spread out the cost of a large hospital balance. Before agreeing to any plan, make sure the monthly payments are realistic and that the interest rates are not sky-high. Get all payment terms in writing by asking for confirmation from the medical providers. Some hospitals (especially nonprofit ones) offer charity care programs that help special needs or low-income patients pay their hospital bills. There might be some restrictions regarding your income or the services offered so make sure to inquire.
There are many organizations and programs out there that help reduce or offset the cost of expensive medical care. These are some of the best options to investigate.
The Health Resources and Services Administration is a federally funded program that makes health care more accessible for Americans, even those who may be under insured. With their help you can get free checkups, prescriptions, and treatment. Pregnant women can get complete health care as well under this program.
The HealthWell Foundation is a nonprofit organization providing up to a year's assistance for needy patients. Individuals can apply online and must have their doctor fill out a form explaining the basis of their injury or medical attention. The HealthWell Foundation helps pay insurance premiums, prescription drug costs, and other out-of-pocket expenses.
The Patient Access Network Foundation provides help for United States residents requiring treatment for any of 21 listed diseases, including breast cancer, cystic fibrosis, and multiple sclerosis, for up to one year. Awards are granted in amounts ranging from 1,500 to 8,500 dollars. You can apply online.
The Chronic Disease Fund helps needy patients with chronic diseases (including cancer) pay for their prescription drug costs. Individuals approved can receive anywhere from 2,500 to 8,500 dollars per year with the ongoing help of the fund.
The UnitedHealthCare Children's Foundation is a great organization that helps families cover the cost of their children's medical needs when insurance isn't enough. This also includes out-of-pocket costs such as speech therapy. However, only families with a commercial health plan qualify, whereas those receiving government assistance in the form of Medicaid do not.