Anxious
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What would you do with such a huge hospital debt?

I owe a Palm Springs hospital many thousands and insurance isn't covering the bulk of it. What would you do? I'm literally drowning in debt right now.
LookingForTheSummer · 31-35, M Best Comment
You're +70 years old, and you have to worry about your medical expenses at this age? What is wrong with this world? Or TBH, what is wrong with the U.S., to be exact? This makes me sick. I am sorry about your situation. :/
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@LookingForTheSummer Yes, just as EP was. A community of mutual support and empathy.
RedBaron · M
@LookingForTheSummer It is free if you ignore the correspondence. There’s really not much the collection people can do if you’re not intimidated. Intimidation is what they rely on. Other than that, maybe you can go find some utopia and move there.

Ontheroad · M
As far as I know, about the only thing you can do is in writing (a letter) state you cannot pay the bills above what yoru Medicare/Medicaid plan has reimbursed them (the service provider). Two things will then (likely) happen. One, some part of the bill(s) will be written off by some of the providers and two, you will get offers for payment plans. You can negotiate on how much you can pay each service provider.

Going forward take a very close look at the Medicare plan (other than standard medicare) you have chosen. All of them, every last one of them pay less than what medicare will pay - that's how they make money. I did that and found I got better coverage (much better) with a wider selection of service providers by keeping the standard government medicare program. In fact it has been so much better that after just short of 3 years of cancer treatments, surgeries to remove the tumor, long, complicated and expensive chemo and infection control therapy, two long rehabs and three logn home health program visits, I had to pay out of pocket a total of $357 on over a quarter million dollars of charges.
@Ontheroad Thanks you for a very valuable post. I will remember this and hopefully it will make a difference. I should have NEVER dropped my medi-cal in favor of "wellcare" big mistake.
MissTaken · 36-40, F
I don’t know what you can do but I find it appalling that a country as wealthy as the US cannot use its vast resources to provide comprehensive free health care to its citizens. I do hope you manage to resolve the problem.
@MissTaken I appreciate folks like you. I'm just going to do the best I can I guess.
@MissTaken I have Medicare but stupidly dropped Medical in favor of "Wellcare"
ABCDEF7 · M
What would be the consequences if you don't pay it.
@ABCDEF7 There are no longer debtors prison and from what I was advised some years ago, they cannot legally garnish Direct Express. I'm really not sure about their legal options.
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Carla · 61-69, F
Hospitals must take payments that you deem affordable.
You can agree to pay them fifty a month and they must accept it. You then must live up to that arrangement. They cannot charge you interest, penalties or refer you to a dept collector.
Carla · 61-69, F
@Grateful4you anytime 4you🙂
@Carla I sure appreciate the mutual support I get for my membership. It sure means a lot Carla.
Carla · 61-69, F
@Grateful4you isnt that what community is supposed to be about?
I certainly believe that🙂
elafina · 36-40, F
Is there any way to rearrange your insurance plan? I'm sorry it does sound stressful.. how about moving to a greek island and forget about them lol
@elafina Yes, in Oct. there is an "open entry" to adjust my current plan. Apparently my "Wellcare" is an "HMO" which disqualified me from benefits most my age are getting. Thanks for asking hon.
Miram · 31-35, F
Don't pay. It is easier to just move out of state.

Let's normalize doing illegal things when the legal alternative is pretty much unethical.
FloorGenAdm · 51-55, M
Do I have to state that I'm not a financial advisor?
@FloorGenAdm Personal experience would suffice. But thanks.
RedBaron · M
Just ignore it. It's not on your credit reports.
@RedBaron @RedBaron Thanks for the affirmation I needed. The value of SW membership.
Scribbles · 36-40, F
I'm sorry. Medical debt is horrible. 😖
I hope you are able to find a solution.

The choices people and doctors are forced to make about healthcare and treatment options because we don't have a more socialized healthcare and have overpriced everything in healthcare is a tragedy. It's one of many reasons why I hate the Republican party
oldercanuck1 · 70-79, M
Sorry to hear that ,, up here we have paid in the past for health insur, but now it is free to us but most likely comes out of taxes ,, also i have my public service insurance ,,so the extras are covered ,,, but things are getting cut here to so we may be in the same boat as you one day ,,
SW-User
I’m soo sorry. You need help from someone that knows how to deal with these stressful issues.
@SW-User Thanks for at least responding. It really IS stressful.
SW-User
Can you try to deal with the hospital? If you tell them you can pay a low monthly payment or something like that? @Grateful4you
@SW-User As of now, that seems the most viable recourse not the best solution but it's at least something. Thanks.
deadgerbil · 22-25
I have no idea. It's disgusting how insurance plays games like that despite them raking in all the profits. Corporate greed at its finest
MonaReeves86 · 36-40, F
Don’t you have Medicare at your age in USA there’s Medicare for 70 years or older

 
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