Thousands of Missourians are struggling to pay mounting medical bills -- but do you really owe what the hospital says?
Attorney Larry Ferguson, Columbia, MO tells this story: With the birth of one of their children, his wife noticed that the hospital billed her $700.00 for anesthesia and a procedure called an episiotomy. She didn't have an episiotomy. When she called the hospital, their response was, "Oh. Well, most women do, but you didn't have one?" When she told them she hadn't had the procedure, the hospital took the charges off the bill.
The lesson here? Mr. Ferguson suggests it's a good idea to go through the medical bills to see whether there are items you were charged for but didn't receive. It happens frequently. There are a number of side issues that go into a hospital facility billing that can have the potential for errors -- and usually the errors are in favor of the institution. If there are things on the bill that aren't true or accurate, they'll readily remove them.
What if you realize you can't afford to pay your hospital bill? There are many people who don't have health insurance and who don't qualify for a government program. The hospital provided the services to you and the hospital will look to you to pay the bill.
Do you have any options? Yes, you do.
You can read Mr. Ferguson's complete interview entitled, "How to Cope with Medical Bills" in The Missouri Bar Money Guide -- now in printed form -- for more information.
Out of work? We have an article about how to deal with creditors.
Having trouble making your house payments? Perhaps an article that describes the steps you can take to avoid foreclosure may be of help to you.
Thinking of declaring bankruptcy? We have a section in The Money Guide that explains the differences between Chapter 7, Chapter 11, Chapter 12, and Chapter 13 bankruptcies.
Do you know about the new credit card rules? We have information about the new rules in our publication too.
If you'd like a copy of The Missouri Bar Money Guide, send a quick email to: firstname.lastname@example.org or to email@example.com with your request. Put the words "Money Guide" in the subject line, give us your mailing address and we'll be glad to send one to you.
The Missouri Bar Money Guide is also available online. Here's the link: The Missouri Bar Money Guide