Ok so I had my gallbladder removed my insurance company decided to drop me when i was in the hospital during this surgery I had 2 surgeries because my stones had traveled to my liver and etc. now I'm stuck with a 75,000.00 dollar bill is there anything I can do theres no way I can afford this I'm only 20 years old and these bills are killing my credit I can't get my own car , apartment nothing because of the bill from hell haha but serious answers please thanks! =]
2007-08-29 21:38:48 · 8 answers · asked by Anonymous in Business & Finance ➔ Insurance
Did your insurance company drop you because you did not pay your insurance bill? Did they drop you because this was a pre-existing injury that you did not tell them about? Either one of these reasons would make it OK for the company to drop you at any time. If there was not a valid reason to drop you, then you need to contact the insurance department in your state to fight the insurance company on your behalf.
In the mean time, speak to the finance department at the hospital and ask them what the "cash price" is for your bill. That should lower the amount a decent amount. From there, pay at least $5 a month and the hospital can't hit your credit. This is a better option than declaring bankruptcy and ruining your life for the next 5-10 years.
Good luck!
2007-08-30 03:08:31 · answer #1 · answered by Jason S 4 · 3⤊ 0⤋
I would suspect that the insurance company is scamming you, and it looks so obvious. Take them on, go to the media, contact a lawyer, go to the consumer rights people.
If you lose, then declare yourself insolvent, which means you are unable to pay your debts. Then you won't have to pay off the $75,000 bill.
After that you life will be a little bit difficult. You won't have a new car, be able to have credit cards and so on. But this will only last for a certain number of years. Make sure you always pay phone bills etc on time, and it will get better.
It could be worse, you could have had the stones, and not had surgery and be in pain now. So stop complain, do what Henry David Thorough did, live in a cabin in the woods, work part time and ferment revolution.
2007-08-30 04:54:01 · answer #2 · answered by flingebunt 7 · 0⤊ 1⤋
Please provide more information - why did your insurance company "drop" you? They can't just cancel your coverage without a reason. Make sure that your insurance didn't cancel your coverage by mistake - it does happen sometimes.
I never advise people to file bankruptcy, because too many people do it irresponsibly. But it may be a good idea for you. You've got a lot of debt, and setting up payment arrangements with the hospital is a fine idea, except that it'll take you the rest of your life to pay off a debt like that. Just understand that if you file bankruptcy, you're going to have to immediately start working to rebuild your credit, and it's going to take a while.
2007-08-30 15:34:28 · answer #3 · answered by Christie 4 · 0⤊ 0⤋
Go to the Hospital and talk to the Finance Officer. See what you can work out. Let him/her deal with the insurance company that started with this procedure. They are more likely to be able to deal with this than you are.
2007-08-30 04:52:31 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Some hospitals have their own insurance for people who are unable to pay. Check on government aid for medical issues. SSI?
2007-08-30 11:01:13 · answer #5 · answered by ted j 7 · 0⤊ 0⤋
If you have nothing to lose declare yourself insolvent. Typical of insurance companies to hire out umbrellas and then take them back when it starts to rain
2007-08-30 04:46:10 · answer #6 · answered by Daddybear 7 · 1⤊ 1⤋
Talk to a lawyer and your state department of insurance (Ombudsman).
2007-08-30 09:11:54 · answer #7 · answered by insuranceguytx 5 · 1⤊ 0⤋
geezthats bad.
well i got no idea but i do hope you get the money for it :)
2007-08-30 04:51:58 · answer #8 · answered by Anonymous · 0⤊ 3⤋