Medical Debt - Blog Posts

btw while people continue to fight the system don't forget about Undue Medical Debt (formerly RIP Medical Debt), a charity that buys and forgives medical debt. on average a donation of $10 will forgive $1,000 of medical debt.

This may seem like a meme, but it is real. It's formatted like this to get people's attention and be memorable, in the hopes that maybe it saves some lives.

Edit 1: If any of you are unsure that this is real, check out the notes of folks talking about it.

Transcript:

[transcript of sign] 

Are you currently struggling with … MEDICAL BILLS? 

… Perhaps you should try … FAPping! 

Financial Aid Policy 

Did you know that most hospitals and some doctor’s offices are what is known as a 501r, or “medical non-profit”? 

This means they are legally required to have a “financial aid policy” or “charity care policy” 

What is means, is that they are LEGALLY REQUIRED under United States Law to provide FREE OR DISCOUNTED healthcare, and also to FORGIVE EXISTING MEDICAL DEBT to individuals with financial difficulty. 

Basically, every household making und $100K a year is eligible for a reduction in their medical costs. 

Billing departments often try to push people to get on a “payment plan” if someone asks, but don’t accept it! 

Ask if they have a Charity Care or Financial Aid policy “Based On Income.” 

If it looks like you might not qualify? 

Apply anyway. They try to scare people away with scary processes. 

YOU QUALIFY. EVEN IF YOU ARE ALREADY IN COLLECTIONS. 

[/end sign] (Credit to Moonlit-wings for the transcription.)

I feel like I should make a post about this because it’s not something that’s very well-known, and that Americans in particular may need to know about given the uncertain state of our healthcare system at the moment. I’ve wanted to write this out for a while, It’s kind of a long post, so sorry about that!

If you have an emergency and have to go to the hospital, you’ll owe the hospital a lot of money. (I got into a car wreck and broke my ankle and my arm. My hospital bill was around $20,000)

You’ll also owe the ambulance provider, if you need one. (My ambulance bill was about $800)

You may get separate bills from the anesthesiologist or surgeon. (My anesthesiologist bill was $1,700)

You may need follow-up appointments. (My orthopedic surgeon billed me for the appointments and his surgery together and it was about $1,000)

You’ve also got to pay for medical equipment you need afterward, like crutches or a walking boot. (Mine cost about $75)

Altogether, I ended up with almost $24,000 in medical debt from one car accident. That’s a really scary number for someone like me who makes $10/hr at a 12 hour a week job.

I got my debt down to $1075 by making some phone calls and submitting some paperwork.

The first thing I did was contact the hospital. They don’t make it easy to find, but many hospitals (perhaps most hospitals?) have financial assistance programs for people who can’t afford medical bills. I don’t make a lot of money, and I have bills to pay, so they were able to help me. I called the billing department and asked if they had any assistance programs for low income people who can’t pay their bills. I had to call multiple times, and I got transferred in circles by people who didn’t know what I was talking about. Finally, I got an appointment with someone in “Eligibility Services” (I don’t know what other hospitals call it, if it’s something different). I had to bring my pay stubs and copies of all of my bills. When I got to the hospital for the appointment, nobody knew what I was talking about so I had to wander a little to find where I needed to go. I spoke with the guy in Eligibility Services, and I waited for a decision on how much of the bill they would forgive. A month later, I got a call telling me it was totally forgiven.

I did the same thing for my ambulance bill and my anesthesiologist, but the process was a LOT easier. I just had to mail some paperwork and it was totally forgiven.

I didn’t bother with the medical equipment suppliers, since the bills came from separate companies and I didn’t feel like going through the process twice for $75. I was assured at the hospital that they had similar programs for debt forgiveness, so I could have probably avoided paying that too.

The only thing I couldn’t get taken care of was the surgeon/follow-up appointment cost, but they were able to put me on a no-interest payment plan.

Medical debt is scary because it’s something that can come from stuff that’s already really scary. I didn’t need the burden of $24,000 in debt on top of trying to get around on a crutch with a broken arm (it’s not easy, believe me!).. but I can’t imagine what it would be like with a bigger debt or a more severe medical emergency. I see lots of people in even worse trouble than I was in, both financially and medically. Please know that there are options for you when that GoFundMe doesn’t do enough. Even if your income is higher than mine, it’s worth a shot even for partial debt forgiveness.