Financial Advisor

Patient account representatives at hospitals are always trying to discern the difference between those who are unable to pay their medical bills and those who are merely unwilling to pay medical bills.

However, an account rep will review the patient’s account before assessing eligibility for financial assistance. There may be notes on the account that could prohibit you from being considered for financial assistance. You want to police yourself when you talk to billing reps and be cautious that you do not disqualify yourself unnecessarily.

Account notes that account reps look for

1) Does this patient take and return our phone calls? You want the account rep to view you as responsive and cooperative. Conversely, you absolutely don’t want to be viewed as non-responsive and uncooperative. If you have a message from a hospital billing rep, return the call, even if it is just to tell them that you need time to understand your bills. If you see your account rep’s number on caller ID, answer the phone. Do not ignore their calls hoping they will just go away. It is just as bad as ignoring the symptoms of a disease. It will not go away; it will just get worse. Continue reading ‘Talking To Patient Account Reps About Medical Bills’ »

Medical bankruptcy may become the only option for a person, regardless of their current financial situation or what type of medical insurance they carry. The uninsured are at the greatest risk of falling into the deep pit of overwhelming medical debt. However, in this economy, with fewer employers offering comprehensive and major medical plans, the well insured are also vulnerable. This is because of something on their policies known as the deductible. Continue reading ‘What to Do When Medical Bills Overwhelm You’ »

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Are you on the brink of filing for a medical bankruptcy and want to completely understand what can be done to break free of it? What you need to realize is that over 50 % of all bankruptcies are due to medical bills and other costs connected with medical facilities. The reason why you must realize this is because you are not alone and because of that there are always going to be people out there willing to assist you get your life back to where it once was.

To be able to help you get your life back to normalcy I have fitted 4 great methods to quickly avoid a medical bankruptcy. What you need to know about every one of these is there are great deals of other options as well but these are the shortest and most effective easy methods to stop a medical bankruptcy from happening. Just note that if you are not comfortable managing this on your own then be sure you get some good help or at least talk with somebody about what you are going through. Continue reading ‘Advice On Avoiding A Medical Bankruptcy’ »

Are you on the brink of filing for a medical bankruptcy and want to completely understand what can be done to break free of it? What you need to realize is that over 50 % of all bankruptcies are due to medical bills and other costs connected with medical facilities. The reason why you must realize this is because you are not alone and because of that there are always going to be people out there willing to assist you get your life back to where it once was.

To be able to help you get your life back to normalcy I have fitted 4 great methods to quickly avoid a medical bankruptcy. What you need to know about every one of these is there are great deals of other options as well but these are the shortest and most effective easy methods to stop a medical bankruptcy from happening. Just note that if you are not comfortable managing this on your own then be sure you get some good help or at least talk with somebody about what you are going through. Continue reading ‘Advice On Avoiding A Medical Bankruptcy’ »

The present times have brought us technological advancements that lengthen our life span and make living easier even with debilitating diseases. Nevertheless, these medical treatments also come with steep medical bills. In fact, most people tend to delay going to the hospital in hopes that they don’t need to pay for the hospital bills that come with seeking medical attention. However, when an unexpected accident or a disease comes up, there is no longer a choice left but to go to a hospital. Luckily, there are now different methods and organizations that are willing to help with medical bills. You only need to find which one works the best for you.

* Ask your hospitals. Typically, hospitals are willing to refer you to their charity service cases, which will help with medical bills by approximately 50-75%. These charity cases exist in return for the decreased tax revenues the government will charge of the hospitals. However, you may need to be in a certain income range to be able to qualify. Another option is to negotiate with the hospital and your doctor by explaining your situation. Most of the time, they cut the costs and you can pay less than you are expected to. Continue reading ‘Where To Find Help With Medical Bills’ »