HINTS FOR MANAGING MEDICAL DEBT
Be Polite, Prompt, and
Courteous when speaking with
individuals who are trying to collect a debt
from you. However, you need not subject yourself
to rude or stressful conversations with bill
Be honest. If
you've overspent, lost your job,etc. say so. Do
not agree to a payment plan or amount that you
know you cannot possibly comply with. It is
better to tell a debtor that you can only pay $5
a month, than to agree to a bigger payment that
you risk reneging on.
Stick with it!
Once you have set up a payment plan that is
reasonable for you, donít stop your payments.
Keep in touch.
A provider or collection agency will know
that you are making a good faith effort when you
return their phone calls and provide them with
an explanation as to why you cannot pay the bill
Patients should contact the hospital to see if
they are eligible to apply for "free bed" funds.
To read more go to:
Hospital Free Care and Financial Assistance
Donít pay balances if
you are receiving Medicaid/Husky A.
If you or your child are Medicaid/Husky A
clients, it is important to remember that a
medical provider who is certified with the state
Medicaid/Husky A program cannot bill you for any
remaining balance after Medicaid/Husky A has
reimbursed them. Call your providerís billing
department or person in charge of bill
collection and let them know you are a
Medicaid/Husky A client. It is illegal for a
Medicaid/Husky A provider to balance bill a
Medicaid/Husky A client.
benefits. If you have
Medicaid/Husky A and private insurance, state
regulations allow your providers to direct bill
your insurance company. The provider will then
bill Medicaid/Husky A for any balance after
insurance has paid.
For more information go to:
USA: Guide to Coping with Medical Debt
TO FIND PROVIDERS IN
CONNECTICUT'S COMMUNITY RESOURCES DATABASE:
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PREPARED BY: 211/lb
CONTENT LAST REVIEWED: July2012