When a person isn’t feeling well and needs medical care, it can sometimes be expensive. Depending on the treatment, a person can easily face thousands of dollars in medical bills that he or she may be unable to pay. It can be helpful to understand some options for paying medical debt, including how an attorney can help.
When patients receive a medical bill, it’s a good idea to review the bill to ensure it is accurate. If the hospital or clinic made a billing mistake, patients can call the provider’s billing office to ask for an explanation of the bill.
In Florida, facilities must make pricing information available to patients which includes estimated charges for the procedure. Patients also have a right to receive an itemized statement or bill upon request.
The billing office may also have an option for patients to set up a payment plan. This may allow him or her to make smaller, more affordable monthly payments rather than payment in one lump sum.
They may also have a financial assistance program for patients under a certain income limit or may agree to negotiate the amount owed. Both of these options are dependent on the individual’s circumstances, however.
Medical debt may be discharged in Chapter 7 bankruptcy. A discharge of debt means that the patient no longer has a responsibility to pay. Chapter 7 bankruptcy can take as few as 90 days to complete.
The bankruptcy process can be complicated, but an experienced attorney can help anyone who has been affected by medical debt. It’s important that it is completed correctly and timely.