I heard about the itemized list, and I also see they have financial assistance which I would qualify for being under 400% poverty level. The question is, when this bill arrives, in what order do I proceed? Do I ask the hospital for the itemized list before applying for the financial assistance? Or apply for the financial assistance first? Or does it not matter? Anyone have similar stories and how you handled it? Thank you everyone.
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Most hospitals have financial assistance programs. Apply.
It shouldn’t matter and honestly the best bet is to go to the financial assistance department live.
This way you can three way in insurance over the phone if needed and save some back and forth.
I am not sure about the financial assistance part. But, I worked as a legal consultant in the US for some time in the past.
When the bills are not paid, they sell them to the collection agencies for 3-5 cents per dollar. Hence, if you speak with the relevant department of the hospital and explain your situation, and let them know that you are willing to pay, yet with the current amount and your financial situation there is no way for you to pay it. They may knock down a zero, or make %75 discount and make you pay in 12 installments.
I know people paying $5 per month for 60 months for more than $2,000 bills. It will depend on the hospital policy, the mood of the person you are talking to, and your attitude.
I know this not the answer you are looking for, but I wanted to let you know just in case it might help. I wish you good luck.
Whatever you do, don’t pay it on a credit card. Most hospitals can arrange a payment plan and some are no-interest plans.
Medical bills should always be treated as lowest priority and only paid after all your other liabilities.
That’s a fun question.
I guess asking for financial assistance would be the best bet first. If they’re lowering the bill from a higher amount they might help you more. Then once they’re locked in you can ask for an itemized list. The itemized list thing doesn’t work very often, but it’s worth a try.
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