Coffee Break

What To Keep In Mind When It Comes To Medical Bills

I still remember when I went to the hospital for my pre-medical employment, not just once did I hear one of the patients’ complaints after they got their hospital bill. This is the constant scenario you will see and hear at the billing section counter. If you are a low wage earner and a typical worker, then you have a soaring statement of account for your relative’s hospitalization. You may start to check options on how to get paid. Better to examine the invoice because there is nothing wrong to ask or clarify. This medical billing department is also a busy area and sometimes complicated to make a mistake. You need to itemize your bill’s details and save money if you find some discrepancy by being watchful and aggressive.

Did you also know that these hospital bills can cause mental illness? Let us examine why it brings concern to our thinking. If you are a low-wage worker and can not even afford to get insurance, then after you receive a high hospital bill, and you do not have enough money to pay, sure you will worry and think too much. This can help you experience depression, tension, and uneasiness and might develop nervousness, leading to a much serious illness. This debt also has a domino effect. The family struggling with medical bills may have another problem: paying other obligations such as house rent, water and electricity bills, and educational expenses if there are any.

General Outlook

We do not know what will happen tomorrow whether you are old or young, healthy or sick. We cannot be sure that we will not get sick or experience other health issues. 

Worse, it leads to hospitalization. Because you are being treated, you are using the hospital facilities, and you are being monitored by the health workers, especially the doctor. We will always be charged for every move we make inside the hospital. This is where the worries of how much we will pay will come in, even though our confinement is not over. Even if we do not say it loudly, we are starting to think about the bills. How do we pay, and where do we get the payment, especially if we expect this huge bill so much that we cannot pay because of our status in life, especially since we can’t afford medical bills because our income is small.

 It is even more terrible if you have insurance and some portions are not covered. You need to act quickly and maximize your earnings, even your savings, as they tend to turn it over to a private collection agency, the same as bank credit cards. Usually, they give it to debt collectors in a short period of time, which is very embarrassing when they do it some harassment. 

Make Some Plans

It would be best if you were observant in everything, like accepting hospital bills. Check the details such as services or treatments listed whether it was done to the patient or whether it had to be done to the patient. It would be best to look at the medicines you have already bought at the pharmacy outside but are still on your list of fees. In case you leave the hospital in the morning, find out the cut off of your room charges. Verify if you get a discount so that you will not be paid the whole day. Most of the time, duplication charging happens if not double-check. In anticipation of untoward confinement, we must be proactive to have at least savings intended for emergencies like hospitalization.

If you can afford it and are still working, it is necessary to have some portion of your money put in savings for health concerns so if the worst-case scenario happens, and you have some cash to pull out. Another is to utilize other resources by finding some non-profit organization. Or if your company offers a short or long term disability that can be extended to the whole family, you can apply because you can use it in the long term hospitalization of relatives. You can also search for your town area about groups that help the sick, give medicine, or pay for hospital bills. Not all of them, even large portions, are already a big help. Usually, officials like Mayors have some organization that assists the less fortunate.


For advice and guidance, if you face a huge hospital bill, there is nothing wrong with talking to the person in charge of the billing section. Some hospitals are cooperative and willing to have an agreement. They are open to settlement. They are considerate and willing to work out a payment scheme if the patient is poor and cannot afford a full payment bill. Most of the time, some offers are low or zero interest rates. Just be sure that you are coordinating with an authorized agent or better if you can afford to hire a public attorney, medical billing audit services, bill negotiator, or patient advocate to transact on your behalf. Sometimes, healthcare providers or hospitals are willing to lower their fees as long as you know how to approach them and make an agreement. This way, you can avoid being given to the debt collector agency, which can burden you. 

Sometimes in the hospital itself, some programs assist the unfortunate individuals hospitalized and do not have enough money to pay. There are charitable institutions that are willing to help low-income families and those above the poverty line. All you have to do is check and verify which program you are qualified for.

The Course Of Action To Produce Payment

If there is no payment source and the installment plan we applied to the hospital is not approved, we can still make away by applying for a personal loan. It can make sense to get out a personal debt restructuring loan to pay off all the medical expenses and then make only one monthly remittance instead of negotiating with various separate creditors. Another way to produce your payment is by raising money or collecting contributions, maybe with friends, from family, neighbors, or even strangers. You can use social media platforms by getting the endorsement from a well-known personality or even an influencer to cater to a wider audience that can view your fundraising. In this way, lots of assistance will overflow until you notice that it covers all your bills. Lastly, many well-known charities are receptive to the applicant asking for help. Usually, you can find it in the hospital itself, check on the information center.

 We have a saying that prevention is better than cure. When you can no longer avoid and stay sick, the next problem is to be hospitalized. Whether the confinement takes a shorter or longer time, it is tantamount to spend money, resulting in different consequences. Your budget for other expenses in your home like food, bills, transportation, education, and even clothing might be affected. It will all be converted for the payment of medical bills. The Worst is if you are a low-income employee and your budget is insufficient for your bill, then the next problem for you is finding money and getting into debt. Anxiety, stress, and depression are your next problem—the key to escaping from the agony when it comes to medical bills is to stay safe and healthy. Observe healthy living and stay away from the ailing lifestyle.