No health insurance or income...need surgery for leg. What to do?

My boyfriend tore his ACL in his leg. It did not happen at his home so he cannot clain homeowners insurance on it.

Since he can't walk, he can't work either. His job requires heavy lifting and walking. His job also offered no health insurance, sick pay, vacation pay or anything.

He is down to nothing in his bank account...and the doctors are telling him he must have surgery on his leg. However, the expected cost is over 10,000 dollars. He also has car insurance bills, car payment bills, and cell phone bills to pay.

He would rather not have to make payments on this bill because he does not make enough in the first place.

WHAT CAN HE DO!!?!?

HELP!

He is 23 and we live in Oregon.

First of all, homeowners doesn't pay for your injuries - only health insurance does that.

If he needs to have this surgery, he should have it - and work out a payment schedule with the hospital. He should sell the car, then he won't need car insurance. It's going to be a while anyway before he can drive. Ditch the cell phone - he can't afford it right now, he's unemployed.

First priority needs to be food. Then, getting the surgery so he can get back to work. $10,000 really isn't that much in the long run - he probably owes WAY more than that on the car.

Once he's healed, he can find another job, and take the bus for a while, until he's worked a few weeks and has a couple paychecks, and can buy an old junker for $1,000. It will cost WAY less to insure than a new car. If it only runs for three months, he's ahead of the game, as I'm sure $1,000 wouldn't cover three months car payments. Every month over three that this junker runs, is a free car month. After three months, you sell it to someone else for $1,000, and buy a $2,000 junker. It's an upgrade, still no loan.

And, he's got a leg to stand on.

You need to go to your local hospital and talk to the financial department and explain to them the situation you are in. They should be able to tell you what charity programs they have that could help you. He may even qualify for the spin down program with medicaid. Which means that he would have to pay a small percentage of the total bill and they would pay the rest. If this was the case you can make payment arrangements with the hospital for his percentage and would be able to go ahead with the surgery. Don't be affraid to ask people for help. Hospitals and different organizations hold fund raisers all the time to help people pay medical bills in the type of situation you are describing.
The bottom line is ask ask ask. If one hospital is unable to help then go to another hospital and ask them the same thing.

Go to this website.... it helps and lowers your bill dramatically. The medical is on the left side.

http://www.mybenefitsplus.com/40498236

He should first talk to the human resources person at his job just to see if anything is available via government help since the job doesn't provide health coverage. He should also see what Oregon has to offer--in California, we have SDI which is a statewide disability insurance that is taken out of every paycheck. The US government also has Medicaid and Medicare which you should also look into.

If he owns no property, go the the hospital and tell them what ou need and that you have no income.
If you own a house, then they will put a lien on it.

many if not all hospitals have charity care policies where they will discount or absorb the cost of medical care for people who make less than a specified amount. however, you do have to ask, and if they tell you no, go higher up to the administration. many hospitals won't publish their charity care guidelines, you have to ask for them

You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question.

http://www.healthinsurance-guide.net/

Check with local medicaid office, I broke my knee in three places in october go to the office I am an insurance agent and the surgrey to fix my knee cost $50,000 total after insurance I paid like $5,000. Now my doctor telling me I torn my acl and I have to see him next week about that. If you would like a quote for health insurance send me a email with your ages to: assurelifenhealth@yahoo.com

When you donā€™t have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help.
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.xubex.com/
https://www.pparx.org/Intro.php
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 facilityā€™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

Free Mammogram:
http://www.cdc.gov/cancer/nbccedp/
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.
Hereā€™s a list for every state:
http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm

Where can I go to get free or reduced-cost prenatal care?
You can call this number if you need free birth control help, too!
Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.
To find out about the program in your state:
Ā· Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code
Ā· For information in Spanish, call 1-800-504-7081
Ā· Call or contact your local Health Department.

He sounds like he must be in pain. The quickest resource that I personally know of is here http://www.YoudeserveHealthcare.com all he has to do is sign up as soon as possible and can use it within 24-48 hours. There is a hospital advocacy program that will negotiate the lowest possible rate for him! And, they will help negotiate the lowest possible monthly payment. He'll have access to good doctors and physicians, discounts on prescriptions, x-rays, etc. He may not have money, but this is an immediate and affordable option. You can also look up providers by zip, but no matter, he could use the hospital advocacy program. And not to worry, there's a 30-day money back guarantee. Good luck!!!

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