Nowadays because of global economic tightening, avoiding the use of debt or loans is a must. As much as possible, you should avoid debts especially if they are intended for purchase of things that are less important like latest model of cell phones, gadgets or cars. Experts even say debts or loans can easily multiply during economic recession. But there is always an exception for every rule, and in this case to obtain debts or loans is a must if your health or your loved one’s health is on the line. If you acquire debts for medical bills then it is a must even if there is a global economic meltdown. The problem now is in paying these bills especially if you are not insured. But do not worry. Below are the ways to help you pay your medical bills even uninsured.
- Acceptance. The first thing to do is to accept the fact that you need to pay for your medical bills. You need to bring into your system that you have an obligation to pay for these bills. Instead of denying your obligation especially if the charges are so high, you need to calm down and objectively examine these charges. You need to make sure that you are not overcharged. Remember that based on statistics 80% of hospital bills are incorrect. If you are calm and composed, you can look at your bills carefully, and there is a good chance for you to see errors like overcharges for items used or not used but billed for or charges of services that never occurred. You need to ask for a copy of the full details of hospital services given not just its summary. If you find errors, dispute in a constructive way but if there is none, then you need to start communicating.
- Communication. You need to be honest from the very start. Communicate with the hospital management that based on your current financial situation you are incapable to pay for your hospital bills. For sure, the management can understand and can provide vital information to help you find ways to pay for your bills based on your income. Do not forget to have confidence in your communication for them to see how committed you are in paying for your debt.
- Commitment. There are four ways you can do to back up your commitment. One is to inquire if the hospital has debt programs. This can assist you in producing a plan to lessen your bill. You are lucky if you can reduce your bill by up to 25%. Another way is to apply for government support. You can check with the hospital billing or social/ extension services department the states or countries that offer assistance in paying for medical bills debt. They can find out whether you pass the eligibility requirements. The third way is to connect with non-profit organizations. Every charitable organizations have their own disease or illness it supports. So for example, you have cancer, you can ask for help from the National Cancer Institute that is so dedicated to help you morally and financially.
Whatever happens, do not lose hope. If you lose hope, everything stops. To lose hope is to acquire a terminal disease that has no remedy. That’s why whatever you do, you do it and you do not stop until you have achieved it, until you have paid for your medical bills debt. Remember that there is always a pot of gold at the end of the rainbow.