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How to manage mounting medical debt

Many people in Florida are struggling to pay their medical bills. Health care costs are increasing faster than wages, and the unemployed have little to no income to spare. Millions of people resort to filing for bankruptcy just to get the collection calls and bills to stop. In an effort to save money, many people are putting themselves at risk of more health problems by forgoing their medical treatments and medications. If you find yourself losing sleep at night because of your financial situation, there are some steps you can take to lower your medical debt or eliminate it completely.

Do not ignore your medical bills

Do not make the situation worse by tossing out your medical bills. Ignoring them will not make them disappear. Open your bills up to read them and verify the information they contain is correct. Make sure you understand the charges your medical providers are billing you for. If you see charges you do not agree with, you need to contact the healthcare provider that billed for those fees to dispute them. You may need also to dispute those charges in writing with the appropriate collection agency.

Inquire about reduced fee programs

Many hospitals and medical clinics offer reduced medical charges to people who do not have health insurance and to those who are low-income and unemployed. As embarrassing as it may seem to talk about your situation with your medical provider, doing so may result in lower medical bills. Many health care organizations who offer this benefit to their patients may require verification in the form of check stubs, unemployment documentation and other paperwork.

Make payment arrangements

There is no harm in contacting your medical providers and collection agencies to inquire about making payment arrangements. When discussing your situation, make sure you only agree to pay what you can comfortably afford. If possible, see if you can borrow the money to pay off small medical debts. If you have credit cards with low interest rates, consider using them as a means to pay off some of your medical debt. Just make sure you are in a position to make the monthly payments. If your medical bill collectors cannot make arrangements with you based on what you can pay, you may need to consider bankruptcy as a solution.

Paying off medical debts for financial freedom is a goal that everyone may not be able to attain due to their circumstances. If you are interested in learning how to manage your medical debt or have questions on how to deal with accounts that have already gone into collections, you may benefit from speaking to an attorney about your situation.

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