Getting Medical Bills That You Cannot Afford? Here’s What You Should Do

According to, in the US, the costs associated with single illnesses, pregnancy, or any kind of accident can reach five figures, smoothly and easily. It has been observed that even when patients have medical insurance, the medical bills can leave them with a huge amount of due balance. Even if you are young and healthy, it definitely does not mean that you are not going to have any kind of medical emergency and start dealing with whooping medical bills. These bills are going to get overwhelming and one of the most tempting things that you can do is ignore them. If you are slapped with a huge bill from your doctor’s office or your hospital, it is crucial that you follow the steps that have been mentioned below.

Ensure that each and every charge is accurate

One of the most important reasons as to why medical bills are so expensive is because the system itself is a mess and they are responsible for a number of mistakes when the bills are being generated. Few hospitals and clinics are also responsible for including services, which you have not received at all and medications that were not even prescribed to you. Moreover, if your stay at the hospital was extended, you can get charged for a complete day even when you have been discharged in the morning itself. Find out the errors in your medical bills and try to fix them.

Do not ignore your bills

No matter what you decide to do with your medical bills, you should not ignore them. It is probably a horrible thing to do so. If you decide to ignore your medical bills, the bills are going to be sent to the collection agencies. This will make you receive continuous phone calls anytime and every time and is going to have a bad effect on the credit score.

Do not use your credit cards for clearing the medical bills

It has also been seen the people who have huge amounts of medical bills are tempted to clear these bills with the help of the credit cards so that they can get rid of the doctors easily. However, it is suggested that you do not use the credit cards for paying the medical bills. Carrying a certain balance on the credit card is going to be responsible for a huge cycle of debt as a result of the payments of high interest. This is going to affect your credit score negatively.

There is a lot more room for negotiating your medical bills in comparison to the other kinds of debts. As long as you are agreeing to pay a certain amount of money and setting up an ideal payment plan, you are going to be stress-free and relaxed. You also need to know that the medical bills do not have any interest rate, which is not the case for the other kinds of debts.

Working out interest-free payment plans

You need to know that an interest-free payment plan is known to exist but according to the experts, it is normally written within a fine print on a particular statement. On the basis of the office of the doctor or the hospital, the amount that you are going to clear at the end of every month can be negotiated. It is obvious that they are going to start with a particular number, which you will find difficult to afford. However, you should not be scared to bring this amount down.

Asking for discounts if you are paying immediately

Few of the doctors’ offices as well as hospitals are responsible for providing a certain discount if you are clearing your medical bill in a single lump sum within a period of 30 days. Few hospitals are ready to give a discount of 10% almost immediately but experts suggest that you ask for more discount. You can also get certain ammunition if you can conduct research on what the other doctors and hospitals are charging for the kind of care that you have received. If it is evident that you have been charged more in comparison to all the other doctors as well as hospitals in your locality, you can definitely argue that the price has to be reduced.

Getting financial assistance

Most people think that they can handle the medical bills on their own and prefer staying away from any kind of financial assistance because they have the feeling that taking financial assistance is going to make them a bad person. However, you need to know that luckily most of the hospitals are responsible for providing financial assistance, but each and everyone has their own procedures. It is crucial that you conduct thorough research on the kind of assistance that your hospital is going to provide so that you do not have any problems with the medical bills.

Considering the debt relief options

If you find out that none of the steps that have been mentioned above are working for you, you can definitely think about getting relief from your medical bills by choosing the different options of medical debt relief. Whether you are choosing to consolidate your medical debts or you are going to settle your medical debts by negotiating with the hospital by taking assistance from professionals, it is completely dependent on you and the financial situation that you are in currently. However, you need to know that medical debt relief is definitely going to help you with your situation. In order to know more, you can visit

Deal with your collection agencies

If your hospitals have already sent your bills to a collection agency, it is crucial that you deal with the situation. Luckily, the collection agencies, which are present in your hospital or your doctor’s office, are interested in negotiating the payment plans. You need to be extremely careful when you are dealing with the collection agencies when you are trying to reduce the medical bills.


In case of an emergency, you cannot avoid getting admitted to the hospital. However, avoiding medical bills is definitely in your hands. Consider the tips that have been mentioned above if you are unable to afford the medical bills.

Author Bio

Marvin Power is a freelance writer who has been writing for various blogs. He has previously covered an extensive range of topics in his posts, including Business, Technology, Finance, Make Money, Cryptocurrency, and Start-ups.

Leave a Reply

Your email address will not be published. Required fields are marked *