Vance P. Truman, Attorney at Law
Putting People's Financial Worries Behind Them Free Initial Consultation

Don't ignore the medical bills: How to face your debt head on

Even if you have health insurance, a serious illness or an accident that leaves you with injuries can cause your medical bills to pile up – and fast – when you consider deductibles, co-payments and co-insurance. You can't afford to pay those bills, especially if you lost income while dealing with the illness or injury.

Here are some tips to cope with your medical debt before you face calls from debt collectors or begin to ponder bankruptcy.

  1. Don't ignore medical bills. Not opening the mail as it comes and pushing the bills into the back of a drawer or hiding them in a book won't make them go away.
  2. Open that bill and study it. Just as in any circumstance, mistakes can be made with medical billing. If you see anything that looks wrong, call your provider and ask to have it explained. You just might find that you have been billed for a procedure you didn't have, and that simple bill can save you hundreds or thousands of dollars. Also, if you find your insurance hasn't paid for a procedure, call the insurance company and inquire why.
  3. Negotiate with your provider. Call the billing clerk and advise them that you won't be able to pay this bill and ask for a discount. It never hurts to ask.
  4. Figure out how much you can afford each month and ask to make payment arrangements. Make your payments as scheduled so that your account won't be sent to a collection agency.
  5. If you believe you might qualify for Medicaid, contact the Ohio state Medicaid office. If you qualify, Medicaid can be used, under some circumstances, to pay back medical bills.

Unexpected medical expenses can lead to a financial struggle and the seemingly endless calls and letters from debt collectors. These tips show there are steps you can take, however, and if you are unsuccessful, a consultation with an attorney could help.

No Comments

Leave a comment
Comment Information

Get the debt relief you need, the personal attention you deserve.

Call us today for a free consultation at 330-591-4729, or fill out the form below, and we will contact you.

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

Contact Information Vance P. Truman, Attorney at Law

689 Lafayette Rd.
Medina, OH 44256

Phone: 330-591-4729
Fax: 330-722-3410
Map & Directions

Payment Plans Available Call Us For Your Best Suitable Payment Option

VISA master card American express Discover network