I have over 150 thousands dollars in medical debt since i didnt have insurance this past year what do i do?

When you donâ€™t have money to get the care you need:
http://www.nlm.nih.gov/medlineplus/financialassistance.html
http://ask.hrsa.gov/pc/
http://www.omhrc.gov/templates/browse.aspx?lvl=2&lvlID=18
http://www.hrsa.gov/help/default.htm
http://www.thefrugallife.com/medicalalternative.html
http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N

Free and low cost prescription medication:
http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169
http://www.themedicineprogram.com/links.html

http://www.cancer.gov/cancertopics/factsheet/support/financial-assistance

Financial Assistance and Other Resources for People With Cancer
Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic.

This is about FREE hospitalization, if you need it and they WILL help you!
http://www.hrsa.gov/hillburton/default.htm
Hill Burton Hotline
1-800-638-0742
(1-800-492-0359 in Maryland)
In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facilityâ€™s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.
http://www.hrsa.gov/help/default.htm
Medicaid is for people under 65, medicare is for the seniors.
How to apply for Medicaid or medicare
http://www.cms.hhs.gov/MedicaidEligibility/
http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.
http://www.ssa.gov/

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov
How To Pay for Mental Health Services
http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp
http://depression.about.com/cs/findadoc/a/freelowcosttx.htm
Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html
DENTAL HELP:
Free or low cost dental care United States
http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf
http://www.raconline.org/info_guides/dental/dentalfaq.php
FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.
http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/

Need eyeglasses or eye care?
http://www.nei.nih.gov/health/financialaid.asp
http://www.uniteforsight.org/freeclinics.php

How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices.
Hereâ€™s a list for every state:
http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm

Try calling each of the medical offices that you owe, it would be ideal if you could offer them cash for a reduction. I had a medical procedure awhile back that was about $98,000 my insurance company only had to pay less than $3,000 to settle the bill completely, another procedure was $48,000 and the hospital was paid about $2,200.

If you are unsuccessful you can file for bankruptcy or consult with a debt consolidation company, these companies can usually get a significant reduction of the debt while you pay a fixed amount over 3 to 5 years. I know a person that had excessive credit card debt (over $50,000) that only pays $57 per month for 3 years.

The stigma of bankruptcy is not what it used to be either, in the old days you could hardly get credit for 7 years but now they look at you as say "they don't owe anything and cannot file bankruptcy for 7 more years so they are a reasonable risk)

Other option include state aid (Medicaid etc..) try those first
before bankruptcy and if your health problems are serious and you are going to need more medical attention then you need to find ongoing assistance or get insurance.

Good luck to you

Try to make a deal for reduced fees and offer small regular payments and threaten bankruptcy.

Look up Hill Burton Act. It is a government funded program for people in your situation. You have to fill out paper work but it could save you from despair if you qualify.

Call the hospital and ask for a social worker, they often have charities that help defray medical expenses.

Otherwise, send 'em ten bucks a week forever - you may never pay it off, but it won't screw your credit the way it would if you ignore it.

Try calling the billings office for each medical bill you have. hospitals are always willing to help lower the debt. They may even set you up on a payment plan that suits you. If you can't make those payments looking into bankruptcy. That is a lot of debt to have over your head. Good Luck!

My brother is in a similar situation. He was advised to apply to Medicaid for help.

Also, there might be an organization for your particular health problem that might help, like the ALS Foundation, etc.

The other thing you can do in the meantime is pay a little bit (whatever you can afford) each month on each bill. You can't get in trouble if you make an honest effort to meet your obligations. Just make sure you communicate with each company or doctor that you owe.

I hope this helps and I wish you good health.

I had $30,000 in debt for having no insurance. It took me almost 5 years to pay it off. Yours is so large that you may have to claim bankruptcy. Meanwhile, you should at least get a very cheap health insurance policy. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than Â½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health

Take care,
Casey

Enter Your Message or Comment

User Name:
User Email:
Post a comment:

Archive: Forum -Forum -Finance - Links - 1 - 2 - RSS - All RSS Feeds
The Causes and the Results. 0.014
Copyright (c) 2011 Financial Crisis Monday, May 28, 2012 - Terms of use - Privacy Policy