Because of an old hospital debt I’m still paying (3,000) now, and accumulating $3,000 more this year from a barrage of testing and not even a hospitalization, I’m wondering if it’d be better to take the money from our modest savings to just be done with it, or pay it out forever because we don’t make that much money and I usually pay t he minimum. Also, if you have medical debt, are your children saddled with this debt after you die? (We’re in our 50’s, so this is something to think about.)
How to pay off medical bills
How I did it: We definitely benefited from having insurance and our own health saving account, which we fund with approximately $1,000 each year. After insurance, we ended up paying $1,400 to our clinic, $300 to the anesthesiologist, and $30 to the neonatalogist. We owed the hospital $1,700, but applied for financial aid and received a 75% reduction. We arranged payments and were able to pay this off in three months.
Lessons & tips:
- Get insurance!
- Apply for financial aid
- Apply for church donations or aid
- If you are paying medical bills related to childbirth, consider using a midwife or freestanding birth clinic, if possible; even if your provider doesn't cover it, they are much cheaper
People doing this are also doing these things:
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crookedletter is back after a bit of a hiatus.
and was able to send the check off to Florida Physicians. Turned out I did, once all the insurance issues were straightened out, owe the $280 something. But since I got back $390 from Shands, due to the fantastic hard work of J of GatorGrad Care, I was able to pay that off and had $100 left over.
Now I just have to decide if I’m going to pay the stupid lingering bill (about $165) from way back in 2006. I was told one price when I went to the emergency room and then other special surprise bills showed up. Doctors should not be allowed to charge you separately from the hospital for an emergency room visit. I wouldn’t have agreed to treatment, if they had quoted me the full price for what ended up being horrible medical care. So I’m undecided about it right now, so it stays on the list until I figure out what I want to do about it.
crookedletter is back after a bit of a hiatus.
So it looks like a chunk of my supposed debt is going to get taken off my plate, because it may be that the dang doctors should have re-configured what I owed them based on what United Health Care paid them. I have to make copies of the EOB (eligibility of benefit) forms and then the person who helps grad students deal with the nightmare mess of our insurance plan is going to see what she can do. So that will be one of my goals. If she can get that cleared up that leaves only $165 from an emergency room visit almost three years ago.
sharonchase is a tree-hugging money-managing self-improver.
We recieved 75% financial aid! That reduced our bill from $1,700 to $400! Amazing. Thank God, it’s such a blessing!
sharonchase is a tree-hugging money-managing self-improver.
We applied for financial aid… still waiting to hear back from the hospital.

