Many Americans are struggling with medical debt nationwide and it can lead to some major consequences like foreclosures.
This kind of debt can also impact your health if you put off necessary treatment because you can’t afford it.to help you navigate the medical billing process.
“Healthcare prices are so high, we shouldn’t just accept the prices,” said Patricia Kelmar, senior director of health campaigns at U.S. PIRG.federal “No Surprises Act.”“Like the emergency room — you just get taken to emergency rooms,” said Kelmar. “You don’t have to pay those out-of-network charges anymore, you pay as if you’re in-network.”
But she said that same protection doesn’t apply to urgent care centers. That means if you go to a facility that isn’t in your network then you may get a hefty bill.Kelmar said you can request what’s known as a good faith estimate. This form includes the provider’s name, the procedure and the estimated costs.
“If your final bill comes out over $400 than the good faith estimate, you have the ability to use the patient provider dispute resolution system which will help you hold that provide accountable for the good faith estimate,” said Kelmar.“You should feel that you have the power to question and to ask for what you need to be able to pay your debt,” said Kelmar.
Researchers say many hospitals, especially non-profit ones, provide financial assistance programs for medical bills.
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