Recent heart surgery & my insurance left me w/ $150,000 in bills. Any suggestions for help w/ the bills?

Question

I have student health insurance and they only paid about 20% of the costs. I had to have 2 major unexpected surgeries and being a college student, I have no money to cover near these expenses. I'm really frustrated b/c being in healthcare, I have noticed that people with no money or insurance get operations for free. My family is middle class and can not near afford these costs. Anyone know of some assistance program I can contact?

Answer 1

Sounds like you're going to have to file bankruptcy over these bills.

Or work out a 25 year payment plan . . .and get a job/second job/third job.

Answer 2

All health plans that I sell have an out of pocket maximum. None are over $10,000, even out of network. I have never heard of an individual having this must expense to them when they have health insurance that covers the condition in question unless you bought a really crappy plan - one I would never represent. Talk to your agent about this first. If that does no good, go to the provider and see if they will write off some or all of the cost. You may be forced to declare medical bankruptcy. I am sorry for this stress - it's surely not what you need when you are trying to get healthy again!

Answer 3

First see if the hospitals will work out a payment plan for you rather than no payment at all. Next, try state aid or federal aid (Medicaid). Creative? Put your story up on eBay and ask for help outright. Tell them the reward will be assisting someone to get a college degree and the ability to go on with a full life. Or offer to pay them back over the course of ten years. Try www.prosper.com if you must take a loan. It's a site for people helping other people. Also, if your parents have a term life insurance policy on you - cash it out and use the money.

Answer 4

sure, you should pay it....or I ought to assert, he has to pay it. Er's are the main costly place you're able to be able to desire to flow. that's why its referred to as EMERGENCY ROOM. Er's can not refuse to handle a affected person by using regulation. you'll have time-venerated that of direction they ought to gets a commission. The well-being care provider the nurses and all of the equipment does all upload as much as a hefty invoice. you should call the billing branch and paintings out a actual looking fee plan. additionally, merely for destiny reference, never use an ambulance, alwayspersistent your self. Ambulance rides are extra or less $800 a pop. additionally, no remember if it incredibly isn't any longer a genuine emergency, do no longer flow to a well-being facility. flow to an workplace or extra effective yet, if he has no coverage, flow to the health center. Hospitals many times have a health center suitable there! merely discover out the place to flow.

Answer 5

Contact the hospital that treated you. Many of them have charity programs that are set up for this kind of thing. If not, the hospital's social workers might be able to get you some kind of emergency retroactive Medicaid.

Do this ASAP. Do not delay it! It can screw your chances for help and then your credit if you put this off!!!

Answer 6

Please go and talk to the hospital usually they will just write this off. I was single and had cancer and my hospital bills and having my leg rebuilt was thousands of dollars. After siting down with the doctors and the hospital most of it was written off. Hospitals expect a certain percentage of their patients will have a hard time paying their bills and include that in there budgets. You need to focus on feeling healthy and not have these bills hanging over your head making your heart heavy. Good luck.

Answer 7

Go see an Attorney and have he/she file a Chapter 7 Bankruptcy

as I see it ........ it's your only way out of this..... I had the same problem.

Answer 8

hold a fund raiser