My husband is on Non-service connected disibility and they have me as his caregiver so I am uncovered for any health insurance. I had to have a major operation last year called lateral pancreactic jajaustomy. We live on a fixed income and now I need surgery for two hernias steming from the surgery. The pysician who did the surgery will not admit me because I have no insurance. No I have stacks of bills for every one who looked at me. Will these ruin my credit
2006-08-24 11:07:16 · 9 answers · asked by Susan M 1 in Health ➔ General Health Care ➔ Other - General Health Care
If they get sent to collections agencies before you are able to pay them, and the collections agency is unable to collect from you, then YES this will effect your credit history.
2006-08-24 11:09:58 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Yes they will...call the hospital and explain your situation. Sometimes there are patient navigators/social service people at the hospital that can help you find those resources. Also, check into your state Medicaid for programs that might be out there to provide financial assistance...if it is a disability, sometimes you might qualify for Medicare...save your receipts because you might be able to write them off....such as your transportation to and from the hospital, parking, etc. Also, talk to your doctor...if you have a good relationship with that person, they might be able to call the hospital and help you get those discounts....there are so many resources that I found in a book I recently read called "Healthcare for Less" by Michelle Katz. These are just a few!!!!! Go to her website at www.healthcareforless.us and click "Buy a book"...this will take you to Amazon and you can see some of the reviews and view the chapters. You can also order the book through Barnes and Noble in your area....it sounds like this book can help you too!!!!
2006-08-24 13:41:24 · answer #2 · answered by Michelle 3 · 0⤊ 0⤋
You could:
1. Apply for free care
2. Take out a single loan to pay all the bills and have a single payment. You could probably work out better terms with a local credit union rather than a major bank
3. Discuss payment plan options with your debtors. Hospitals and health care institutions are very reasonable and understanding of your situation most of the time
2006-08-24 11:16:49 · answer #3 · answered by Eve 2 · 0⤊ 0⤋
I believe it is only for 7 years. But you might go see about medical threw the state your in. That is the way to go because some will pay back bills too and if your a care giver than it really can't hurt, besides was it a on the job injury? Than it would be workman Comp. or L&I case. So that is something else to check out. Nif
2006-08-24 11:18:51 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If they remain unpaid, yes. They are bills thet you accrued and you are responsible for them. I'd suggest calling the hospital and working out a payment plan. As long as they see that you're willing to work with them, they won't hassle you.
You should look into free care for the surgeries you need now. Most hospitals have programs like that.
2006-08-24 11:10:46 · answer #5 · answered by Moxie1313 5 · 0⤊ 0⤋
I dont know too much but I got reviewed by a morgage company to by a house. My husband had about 10 hospital/doctor's bills and they said it wouldn't count against him when buying a house but it does go on your credit report. It does effect your credit score, too. I hope I help.
2006-08-24 11:19:21 · answer #6 · answered by tlahouse 1 · 0⤊ 0⤋
Loan agencies are not supposed to look at doctor bills on your credit report, but sometimes they do anyway.
2006-08-24 11:12:54 · answer #7 · answered by dragonchopper 3 · 0⤊ 0⤋
Yes, unfortunately they can. They'll get turned over to collection agency and possibly attornies who can and sometimes do sue to get the money.
2006-08-24 11:13:48 · answer #8 · answered by First Lady 7 · 0⤊ 0⤋
AH, yes!
2006-08-24 11:12:57 · answer #9 · answered by Wounded duckmate 6 · 0⤊ 0⤋