Debra Booher &Associates Co., Lpa Click here to get your free Legal evaluation
Call Us Today Toll Free

How can Americans protect themselves from medical debt?

Even with insurance, healthcare is shockingly expensive. Between unnecessary surgical add-ons, scans and overused intensive care-level treatment, medical patients often find themselves facing surprisingly large hospital bills. More than 25 percent of Americans cannot afford their medical bills.

Bankruptcy has a stigma as a last resort for frivolous spenders. In reality, bankruptcy is a practical option for people caught in unfair debt. Most people facing medical debt have health insurance. They spend all of their savings and get second jobs to cover the costs. According to USA Today, medical debt is the number one reason why people file for bankruptcy in the U.S.

How can people avoid medical debt?

The best way to avoid going into severe debt is to collect adequate savings. It is recommended to acquire three to six months’ worth of living expenses. While saving money can seem impossible at times, it can be done with a strict budget. Create a monthly budget and do not go over your spending allotments. Take the remaining amount of your income and add it to a savings account.

In some cases, especially for people already facing other types of debt, building a savings account will take a long time. While saving money will help, you can take extra measures to protect yourself when you are in need of medical attention.

Protect yourself against unfair billing practices

It is possible to reduce charges for a hospital visit. Arm yourself with the following strategies to protect against unfair medical bills:

  1. Ask the price of the test or treatment before accepting it.
  2. Ask for the billing codes from your medical provider. Call your insurance provider to ensure that those codes are covered under your plan.
  3. Ask your insurance provider if the surgeon, anesthesiologist and their assistant are covered under your plan.
  4. Ask the hospital if they have a financial assistance policy. These policies can help qualifying patients receive major discounts.
  5. Ask for an itemized bill and make sure that there are no billing errors.

These strategies can help protect you from burdensome medical debt. However, an unpredictable illness or accident can still leave patients facing major debt. Anyone facing unmanageable medical debt should speak with a bankruptcy attorney to discuss their options for debt relief.

No Comments

Leave a comment
Comment Information
Email Us For A Response

How Can We Help?

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Cuyahoga Falls Office
1350 Portage Trail
Cuyahoga Falls, OH 44223

Cuyahoga Falls Law Office Map

Beachwood Office
3401 Enterprise Pkwy.
Suite 340
Beachwood, Ohio 44122

Map & Directions

Independence Office
4700 Rockside Rd
Suite 415
Independence, Ohio 44131

Map & Directions

Westlake Office
1991 Crocker Rd
Suite 600
Westlake, Ohio 44145

Map & Directions

Canton Office
4450 Belden Village Street NW
Suite 204
Canton, Ohio 44718

Map & Directions

Ravenna Office
2633 St. Rt. 59
(Orchard Plaza)
1st floor
Ravenna, Ohio 44266

Map & Directions