A sudden illness or a medical emergency can be quite devastating and can happen to anybody. Interestingly, only few people recognize the significance of being prepared. In fact, many of them rely on their employers for their insurance policies and never bother to check even the coverage offered by their policy. They think that tragedies can only happen with other people so many of the postpone getting any medical debt assistance, only to find later on that they are ill equipped to handle the?rising healthcare cost.
However, there?s another section that badly needs help with medical bills, and this section makes up millions of Americans who still do not have any insurance. If you are among such families who do not have access to pre-paid medical care, you won?t have to opt for bankruptcy to get rid of your troubles. There are several options available to you.
Many health programs of government such as state Medicaid and federal Medicare can easily cut the amount of medical bills or in some cases, can cover the entire cost. You can get the contact details from your employer or hospital as there are eligibility conditions, which consider age, economic status and disability. Meanwhile, Medicare is geared more towards the seniors and the disabled. Aside from this, there is a separate insurance that is available to kids through State Children Health Insurance Plans.
Even federal law stipulates that each hospital should have some kind of financial assistance program in place to become eligible for getting tax rebates. Many hospitals do not advertise this, so you can get more information by getting in touch with their billing department to know whether you are eligible or not. If not, you can ask details of non-profit associations, charitable organization, or Christian groups that can help you in this matter.
You should be very careful about paying your medical bills with credit card as this may bury you deep in debt. It?s much easier to seek help for your medical expenses than credit card, which can even put your assets at risk. Unlike various emergencies that leave you with no choice, you can easily prepare yourself for?help with medical bills?so that when you do seek medical help, you don?t end up worrying about the costs.
Source: http://www.krabimunicipality.com/medical-bills-assistance-when-you-cant-make-payments/
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