Mountains of medical bills have driven many Texas residents to financial desperation. In fact, recent media reports indicate that this is a countrywide problem. It has also been reported that it is not only uninsured individuals who find themselves in this position, even some people who have medical insurance are finding it difficult to manage their medical debt.
There are, however, a few ways in which to avoid excessive hospital bills. Physicians and hospital staff often suggest hospitalization merely to observe the patient. Nights spent as a patient in a hospital typically make up a large chunk of medical bills. By fighting against being admitted for observation only, individuals can reduce the bill significantly. Although regular medical checkups don’t come free, it may help a person to avoid more expensive hospitalization by treating conditions in a more timely manner.
Another medical expense that individuals may be able to reduce is the high charges of emergency room trips. It is less costly to visit an individual’s regular doctor, or to visit a more cost-effective urgent care center, rather than going to the emergency rooms of hospitals. Additionally, it may be helpful to always enter into negotiations with the debtors’ department of a hospital. Whether or not one is able to present supporting documents to illustrate a dire financial situation, the provider of the medical care may agree to grant an extended payment plan simply as a result of the request.
Texas residents who find themselves buried under piles of medical debt may want to research the available legal options under state law. When an understanding of the legalities pertaining to options such as the protection of Chapter 7 and Chapter 13 bankruptcy is gained, the individual may be able to make an informed decision on how to proceed. Once legal action such as bankruptcy protection is taken, consumers can often initiate a fresh start to a stable financial future.
Source: fox2now.com, “Avoiding and dealing with medical debt“, Elliot Weiler, March 28, 2014