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Need Help Reducing Medical Bills?

Relief from Hospital Bills, Laboratory Fees, and Ambulance Costs

Unlike many types of debts that accrue over a long period of time, bills relating to healthcare can come when you least expect them. With insurance coverage being complex and subject to deductibles, co-pays, and co-insurance, some medical services might be covered, while others might be leave a balance to be charged directly to the patient.

I didn't sign a contract with the doctor, do I still owe the bill?

In a situation where a contract does not exist, a provider of professional or medical services may be entitled to compensation for the services performed under the doctrine of quantum meruit. Unless the services were performed as a gift, there is no reason to presume that the services were provided free of charge. The medical professional may seek to recover the regular rates his facility charges for said services, or alternatively, a prevailing market rate or other rate might be applied by the court in the event the debt is litigated. Call our attorneys if you are faced with a lawsuit for medical bills.

Insurance was supposed to pay this medical debt, what should I do?

Submit the claim to your insurance company promptly upon notice of the issue. If you believe that the insurance company improperly denied the claim, request an appeal. Ultimately, the debtor is responsible to make sure that the medical provider is paid. The hospitals, physicians, and ambulance companies will often bill the patients insurance before they request payment from the patient. That's why it's important to make sure to update the medical providers whenever there is a change in insurance policies.

Types of Healthcare Debts That Are Forwarded To Collections

  1. Bills from laboratories that are not fully covered by insurance.
  2. Emergency medical bills
  3. Doctors Bill
  4. Debts owed to hospitals

How can I reduce my medical bills?

Many hospitals offer hardship programs where they can reduce the balance, offer long term payment duration, or even a combination of both. Each hospital has their own guidelines and programs. Inquire with their billing department to learn how to apply. Sometimes when a debt is sent to third-party collections, an opportunity to negotiate a settlement could arise. In situations where the medical bills are exorbitant and well beyond the debtors ability to repay, filing bankruptcy for medical debts might be the most effective form of relief.

Our attorneys can evaluate your particular situation to help determine what options are available to provide relief from overwhelming medical debts. Call us to learn more - (888) 301-0584.

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