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Medical Financial Aid For Medical Bills?

With almost 72 million Americans burdened by medical bills, and healthcare costs rising at double the rate of inflation, medical expenses are increasingly causing financial strain for many consumers. There are many options to reduce and end medical debt (see our other self-help articles). For those who cannot pay, a possible solution lies many times within the organization that is billing you. These organizations can be your hospital, doctor's office or medical clinic.

There are plenty of ways to work with high medical bills and medical debt. You can consolidate them (with a loan or debt management company), you can look for billing errors, check insurance policies, and review debt laws in your state and federally that may protect you. In most cases, working with a debt reduction company that specializes in medical debt is preferred since insurance policies, medical procedures and related laws are complex.  Before you try to tackle your medical bills yourself or work with a medical bill reduction specialist, seek out medical financial aid or organizations that can help.

Financial aid and charitable organizations are available to help. Let’s start with hospitals. Most non-profit hospitals have a financial aid or medical grant programs because the Federal government requires that hospitals provide a certain amount of charitable care for the uninsured in exchange for tax-exemptions. This can be carried out by a department or a committee within the hospital. However, realize that qualification is based on your income and ability to pay. Therefore, in most cases, the higher you are above the federal poverty line, the less charitable assistance is available. Federal law states that for full uncompensated care, the federal poverty line was $21,200 for a family of four, $24,800 for a family of five (2008 Federal Poverty Line). Furthermore, you should usually pursue other options as most families report difficulties in gaining access to this aid.

Be proactive in seeking out financial aid from non-profit hospitals and even private practice establishments by asking. Even if your debt is with a physician, ask the doctor or medical staff for help. Many times they can guide you to charitable organizations to contact for assistance.  If financial aid is not available, there are plenty of other options to pursue including working with medical debt relief specialists (like us) who start you off with a free medical analysis. Afterwards, no savings percentage fee is assessed unless you save money.

Medical Debt Relief - Free Medical Debt Analysis Here