No one wants to suffer a terrible accident, and be left with permanent injuries or injuries from which a full recovery can never be made. Likewise, no one wants to hear a life threatening diagnosis from their doctor, but that happens too. Unfortunately getting hurt or falling ill is a part of life, and the road to recovery can be expensive. Medical costs, especially for those without insurance or with subpar health care, can add up quickly. Many people have to make the choice whether to pay their house payment, or pay a doctor’s bill each month. If you are in this cycle you know all too well how hard it is to see the light at the end of the tunnel and it is likely your finances have taken a significant hit.
Three ways medical bills can break the bank, and what you can do about it include:
- If you go to an out of network physician the costs are much higher than for those doctors in your network. In order to avoid a shocking bill in the mail, double check whether who you are going to see is covered under your plan. If not, ask for a referral to an in network doctor so you don’t receive a large bill later.
- Get a second opinion if you are being told you need a pricey treatment. You can also ask around to see if a necessary procedure can be done for less at a different facility.
- Make sure you are getting the most out of your prescriptions! Always ask if there is a generic form of the drug prescribed, doing so can save you hundreds. This really adds up if you take several medications a day.
You can also talk to your human resources manager about prepaying for medical expenses, as a lot of plans have this option. Sometimes you get a tax break for certain prepayment plans, and this can also help. If all of this sounds confusing to you, you are not alone. The healthcare world seems to speak a foreign language, but with the right guidance you can make choices that work for you. Even if you have done all you can to keep your medical costs manageable, there are still times when these expenses spiral out of control. We can help you get a handle on all of your debt, and offer several options to get things back under control. Call us today for help.
For more information about bankruptcy medical bill debt, contact us at www.DsouzaLegalGroup.com. We will help by coming up with solutions that work for you.
|6 of 10||DATE:||August 19, 2016|