More and more families in Pennsylvania are finding themselves carrying heavy medical debts. The majority of the time this is very stressful, but it is especially stressful when the debts go unpaid due to the inability to work. Since medical facilities cannot run efficiently without funds, these debts often make their way to collections quickly, which can impact your credit report in a negative way.
If you have a medical debt but cannot pay it because you cannot work, do not ignore the debt. Ignoring the debt will not make it disappear and you could lose your opportunity to negotiate payments. If the debt goes into collections it can wreck your credit score, even if the debt is a minimal amount.
Be sure to review your bills thoroughly so that you know exactly what you have been charged for. If your bill has not been itemized, it might be a good idea to ask for another bill. Check for errors that could potentially make your amount owed higher.
You can negotiate your medical bills, which is especially beneficial for those who do not have medical insurance. Do not be afraid to speak up and ask for a lower rate. Talk to the billing department and let them know what you are capable of paying each month, most providers are happy to work with their patients.
If you are living at or below the poverty line, you may be eligible for assistance programs through the health care facility. If you have additional questions regarding medical debt, speaking to an experienced attorney could be very beneficial.