Join Our Community!
Share
General Forum Topics > Health Insurance Forum > Health Insurance, Huge Medical Bill, What to Do?
Avatar
Q: Health Insurance, Huge Medical Bill, What to Do?
asked by: Spetznaz24 on April 27th, 2007
New User
Hello all, I am struggling with my problem for a while now.
About two years ago I had an emergency appendix surgery. A month after that, the bills started coming in. I didnt have any insurance because during that period my mother switched jobs and her new family insurance wouldnnt kick in 3 months later. The bills absolutely shocked me. The main bill, was around 23k, about a dozen other smaller bills ranging from 300-1500 came in. Obviously I dont know what to do. My mother was able to negotiate the main bill down to about 13k, but was bombarded with even more bills. Out of frustration and anger, we stopped paying these bills and disregarded them. I obviously dont have any funds to pay these bills as I am just a college student. It is also quiet obvious the hospital is gauging prices and sending bills for the things they never did. A few months ago I applied for medicaid and was approved. I am not sure how it works but would it be possible to have it pay for my past bills. Or since that was 2 yrs ago, medicaid covering the bills is out of the question? The debt collectors started calling now and I am becoming worried. How much power do they have? Can they seize my family's house, car, or take money from our bank acounts? I am only 21 so I dont know how all of this works. I will appreicate any suggestions any of you might have. Thanks.
Did you find this post useful?
|
Replies(4)
Avatar
GLSheridan
replied on April 28th, 2007
New User
Re: Health Insurance, Huge Medical Bill, What to Do?
I'd be surprised if Medicaid would pay bills that are 2 years old, but ask your caseworker. It's certainly worth a try.

Most debt collectors will take small payments if you ask. They'd rather get their money in small amounts than not at all. I'd advise not just ignoring the bills as that will affect your credit rating, which will cause you even more problems in the future.
Did you find this post useful?
|
User Profile
AuDacia
replied on April 28th, 2007
Experienced User
i had a similar incident happen to me a year ago. i was in a car accident & ended up in the hospital for 2-wk's. i had just lost my insurance, and currently i'm still without it, but i applied for medicaid since i'm pregnant.

but back to the fortune of my accident! i received tons & tons of medical bills. i laughed when i read some of them because i was charged outrageous amounts for things i don't even remember having done to me. it's ridiculous! but i can't argue it. i called the hospital to see if there was anything that could be done. they went on & on about charity care, and sent me the paperwork. when i received it, i began filling it out. at the time, i didn't live at home with my parents, even though i was 19. i worked two jobs & paid all my bills without their help. and yet, the charity care paperwork couldn't be filed without their financial information. i knew once they found out how much my father brought in, i'd be denied any financial aid. therefore, i gave up trying.

thus, i ignored the bills. and now - my outstanding credit is well, no longer outstanding. ugh! i'm currently paying $25 a month to pay off my biggest bill. it'll be year before that bill is out of my life. other than that, there's nothing i can do. i looked into medicaid paying for it if i get accepted. but i believe they only pay bills from within the past 3 months? i could be wrong. you'd have to ask your case worker like a previous poster suggested.

good luck.
Did you find this post useful?
|
User Profile
Marianne0558
replied on October 23rd, 2007
Supporter
If you are uninsured, the hospital has a program for a reduction in the bill. Ask about it.
Also, if you ignore your medical bills, they can come out of your State Tax refunds.
I would just make a minimum payment each month. You could even pay like $5/month. They can't put it on your credit as long as you are paying something
Did you find this post useful?
|
Avatar
timatprime
replied on January 7th, 2008
New User
I agree with Marianne, Talk to administrators at the hospital and work out a payment plan. Also in regards to what they can take, if you were an adult at the time (18 or older) they cant take what you don't own. IE your parent's possessions.
Did you find this post useful?
|
Quick Reply
Search