• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Services
    • Debt Settlement
    • Debt Relief Benefits
    • Qualifications
    • Is Debt Settlement Right For Me?
    • Debt Help By State
    • Debt Relief FAQs
      • How Debt Relief Affects Your Credit Score
    • Free Budget Planner Worksheets
    • Free Debt Calculator
  • Options
    • Debt Relief
    • Bankruptcy
    • Credit Card Debt Relief
    • Debt Consolidation
  • About Us
    • Who Is National Debt Relief?
    • Accreditations
    • Proven Results – Debt Settlement Letters
  • Contact Us
    • Apply Now
    • Contact Us
  • Client Login
  • Careers
  • Blog
HomeBlog Debt ReliefHow To Deal With Big Medical Bills
Video Transcript

Free Debt Relief Quote

  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

How To Deal With Big Medical Bills

November 18, 2012 by National Debt Relief

Stethoscope strangling money as in medical billsWhether we like to admit it or not, none of us is invincible. We can become sick or have an accident and end up in the hospital for days or even weeks. If we’re lucky we have health insurance that covers all or at least most of the expenses we rack up. And these can be huge. I’ve heard of hospital bills that totaled $100,000 or even more. I had a small procedure done recently to remove a basal cell carcinoma from my nose that took about an hour and cost $700.

More complicated

Big medical bills can be even more complicated when there is an insurance company involved. If you received a statement recently from a hospital or clinic, you’ll know exactly what I mean. There were probably categories such as Amount Billed, Amount Covered, Patient’s Responsibility and so forth. In fact, these invoices can be so complicated that you almost need a Captain Midnight Decoder Ring to figure out what you really owe.

Mistakes can be made

Hospitals, clinics and even doctors are required to generate massive amounts of paperwork these days. And any time there is a massive amount of paperwork, there is a massive possibility that mistakes were made. Whatever you receive a medical bill, the first thing you need to do is sit down and review it to make sure you’re being charged for the services you actually received. You can probably ignore the small stuff as you may or may not remember that you were given two aspirin at 4:00AM one day, but watch out for charges such as a PET scan you don’t remember.

Make sure you understand your policy

If you have health insurance, the second thing you need to do is to make sure you understand your policy. It could include co-pays and annual and lifetime limitations that might seriously affect how much of the bill your insurance actually covers. If you have questions about your coverage or the bill itself, take it and your policy to your HR department or to the insurance company itself and ask for a complete explanation.

Medical bills can be negotiated

It’s always possible to negotiate medical bills especially if you can pay cash to settle them. I‘ve heard stories of procedures that had been billed at $5,000 but were settled for $200. In the event you can’t settle out the bill, you should at least be able to negotiate a payment plan so you wouldn’t have to pay it off all at once. If you act in good faith, most hospitals and clinics will work with you to develop an affordable plan and might not even charge interest.

Use a credit card

If you can’t negotiate a payment plan with the hospital or clinic, you might be able to put the bill on a credit card. If so, you could chop it into bite sized payments and spread them out over several years. You would have to pay interest on the debt but this still might be better than trying to pay it off all at once or declaring bankruptcy.

Let us settle the debt for you

Another alternative for paying off a big medical bill is to let us negotiate a settlement for you. Our debt counselors are very experienced at debt settlements and usually save our clients thousands of dollars. We can settle medical bills and other unsecured debts such as credit card debts. We charge no upfront fees so you pay nothing until we can settle all your debts and you approve a payment plan.

Do you qualify for debt consolidation?

National Debt Relief

National Debt Relief

National Debt Relief is one of the largest and best-rated debt settlement companies in the country. In addition to providing excellent, 5-star services to our clients, we also focus on educating consumers across America on how to best manage their money. Our posts cover topics around personal finance, saving tips, and much more. We’ve served thousands of clients, settled over $1 billion in consumer debt, and our services have been featured on sites like NerdWallet, Mashable, HuffPost, and Glamour.

Follow National Debt Relief: Facebook Twitter Instagram Linkedin

Filed Under: Debt Relief Tagged With: debt consolidation loan, debt settlement, medical bills, medical debt

Primary Sidebar

Trusted By Our Clients

Excellent

Rated Five Stars Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

based on 24,642 REVIEWS

"Best decision I've ever made!"

They really care about "you" and making your life easier. They answer all of your questions and are very detailed.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Kolbie P.

"Saved me from drowning in the debt."

I was up to my eyeballs in debt and National Debt Relief saved me from drowning in the debt.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Joanna W.
Canal Winchester, OH

"Helped me settle my debts that were choking me."

National Debt Relief helped me settle my debts that were choking me.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Bobbie A.
Charlotte, MI

"Taken a big weight off of my shoulders."

National Debt Relief has taken a big weight off of my shoulders.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Richard D.
Piffard, NY

"Stopped all collection calls."

National Debt Relief stopped all collection calls and are working with my creditors to settle my debts.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Patricia G.
Oran, MO

"Now I can see a light at the end of the tunnel finally."

I was in a tough spot, financially and emotionally. Now I can see a light at the end of the tunnel finally.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Susan W.
Valparaiso, IN

"I'm sleeping better knowing they are helping me to eliminate my debt."

I'm sleeping better knowing National Debt Relief is helping me to eliminate my debt.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Jodi W.
Springfield, OH
Trust Pilot Reviews

Free Debt Relief Quote

By submitting, you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls or text/SMS messages). Msg. and data rates apply. You are not required to opt in as a condition of purchase.

The sooner you call,
the sooner we can help:

800-300-9550

Search NDR Blog

Recent Posts

  • Free Holiday Shopping Budget Template To Keep You Out Of Debt
  • How To Host Thanksgiving Dinner On A Budget
  • Tips For Finding Good Last Minute Travel Deals
  • How To Spend Less Money For The Holidays
  • Take Note And Save Money While Holiday Gift Shopping
  • How To Scare Up Some Extra Cash To Pay Down Your Debt [Slideshare]
  • 10 Ways To Rock The Gratitude Challenge This Thanksgiving
  • How To Write The Perfect Salary Negotiation Email
  • When Should You Start Saving Money For Your Kids
  • The Best Budgeting App For Your Family

 

FAQs about debt relief

AFCC disclosure

National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
  • About Us
  • Contact Us
  • Privacy Policy
  • Terms Of Site
  • Disclaimer
  • Sitemap

© 2019, National Debt Relief, All Rights Reserved.