Organizations That Can Help Pay Medical Bills
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If you are struggling to pay off a medical bill, you are not alone.
In September 2020, a Gallup poll said 26% of Americans reported that they have put off medical procedures in the prior 12 months due to medical costs, Experian says.
If you fall under one of these categories, there is assistance that you can apply for that could help you and your family deal with this health and financial crises.
This will take some investigating and also gathering of financial information. However, in the long run, it may be very beneficial to you to have expenses covered.
Part of the Affordable care Act (ACA), nonprofit hospitals need to have a charity care program to maintain their nonprofit status with the Internal Revenue Service.
Related: What to Know About Charity Programs in Health Care
This program can pay for treatments both inpatient, as well as emergency room visits. You may even qualify for this program even if you have health insurance, but your coverage still does not pay for all the services that you require.
To see if you are eligible for this program you will need to submit some personal financial information and usually takes about 4 to 6 weeks to go through the approval process.
In the end, you will receive a letter as to how much of your debt will be covered after your primary medical insurance has been applied and if the charity care will cover part or the remaining balance.
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If you are not approved, they will tell you what the process is to file an appeal. Even if charity care won’t cover your remaining balance, or is only partial, there are other organizations that may offer you assistance as well
There are programs that may be available for you for the specific health condition that ails you.
Related: What to Know About Price Transparency in Health Care
Most hospitals don’t have the manpower to advise you on these organizations, so it will be up to you or family members to do some investigating on what types of financial assistance are out there.
The best way is to start researching online the health condition that is afflicting you and if they are any organizations that can assist financially with prescriptions, co-pays, or insurance premiums.
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