How to make paying medical debt easier

Florida patients who incur medical costs may have the ability to take control of those expenses. For instance, it may be possible for them to ask for an estimated price range for any planned or routine procedures. This may give them the ability to shop around for the best price if there are more than one provider in the area.

It is also a good idea to ask questions after receiving a medical bill. As many people may interact with it, there is a good chance for one or more errors to occur. To further scrutinize medical costs, it may be worthwhile to ask for an itemized bill that lists all the charges that contributed to the final balance. Professional medical bill specialists may be available for free to help verify the amount a person was charged.

These specialists may only charge if an individual saves money, and the fee is generally a percentage of those savings. Finally, a patient may be able to negotiate when a bill is paid as well as how much. Those who can’t afford to pay their bill upfront may be able to negotiate a payment plan or negotiate a hardship plan that may waive some or all of their balances.

If an individual is struggling to repay medical debt, it may be possible to have it reorganized or discharged through Chapter 13 bankruptcy. One of the benefits of filing for bankruptcy is the ability to put a stop to creditor collection actions. This may put a temporary stop to phone calls or letters asking for payment. It may also put an end to wage garnishment or lawsuits against a debtor. Attorneys may be helpful to people who are looking for protection from creditors.