How To Get Help With Medical Bills If You Are Uninsured
Needing to have a medical procedure or receive medication while you're uninsured is nerve-wracking. On top of the stress of dealing with the medical issue itself, you also need to think about all the bills that will be coming in and the potential consequences of not paying those bills. If you relate to this situation, you're not alone. 28 million Americans didn't have health insurance at all in 2020. In addition to this, nearly 20% of American households couldn't afford to pay for their medical care in full at the time of treatment, leaving them with significant medical debt.
There are resources available to help you with your medical bills if you're uninsured, but the process of finding the best program for you and applying with documentation can be overwhelming. Thankfully, DoNotPay can help you streamline the process and get help with your medical bills without the extra stress.
Understanding Your Medical Bills
In general, bills are difficult to read and understand immediately, but medical bills are in a league of their own. The fees, extravagant language, and codes/acronyms used for different charges and services make medical bills nearly impossible to comprehend. Here are a few key things to look for when you receive a medical bill:
|Account Number:||This number is unique to you as a patient and will be necessary if you need to contact the hospital or doctor's office regarding your bills.|
|Service and Statement Dates:||The date you received the services and the date the bill was sent, respectively.|
|Charges:||These are the charges that come from your treatment, medication, hospital stay, etc. Sometimes the charges will be added together, giving a total rather than individual charges, so you don't necessarily know what you're paying for.|
|Balance Due:||This is the amount currently owed to the healthcare provider.|
|Service Code:||These codes represent the services and supplies you received during your healthcare treatment. Even if these codes are included on your medical bill, an explanation of what they mean usually will not be there.|
How to Ask For an Extension Date for Your Medical Bills
Medical emergencies are unexpected and happen quickly. No one plans to receive a large medical bill, so if you're uninsured and recently received a medical bill like this, you'll most likely be unable to pay the balance in full. If you know that you'll be able to pay the bill in a reasonable amount of time, asking for an extension date on the bill is a great option. There are several different ways you can do this, including:
- Calling the healthcare or billing company (whoever's relevant in your specific situation) and asking politely for an extension.
- Write a letter to the relevant company explaining your circumstances and requesting an extension.
- Sending an email to the relevant company regarding a potential extension.
In addition to helping you get assistance with medical bills, DoNotPay can write an extension letter for you and send it to the company on your behalf.
How to Ask For a Waiver on Late Fees for Your Medical Bills
If you're uninsured and constantly receiving notices about missed payments on medical bills, it can create a lot of financial stress. If that's not enough, late fees are usually also added to your bill if you consistently miss payments. Fortunately, you have the ability to request a waiver on these late fees, although the request doesn't necessarily have to be fulfilled by the healthcare or billing company. You can do so via the phone, mail, or email, similarly to the options for requesting an extension above. DoNotPay can also help you with requesting a waiver for your late fees by drafting and sending a letter on your behalf.
How to Get Help With Your Medical Bills on Your Own When You're Uninsured
There are several government-funded programs and grants that are designated to help uninsured individuals and families with their medical bills. Some of these options include:
Social Security and Medicare
- These programs are made specifically for those with disabilities, those over 65, and those with end-stage kidney disease. Medicare can serve as a form of insurance that helps you pay for medical bills and procedures.
- Find Your Local Social Security Office
- Learn How to Apply
- This program is designated to help with medical costs for individuals and families with limited income. Medicaid is both a federal and state program, so eligibility requirements differ by state.
- Contact Your State Medicaid Program
- Fill Out an Application
Use DoNotPay to Get Help With Your Medical Bills When You're Uninsured
DoNotPay can help you with your medical bills when you're uninsured with these simple steps:
- Go to the Negotiate Bills product on DoNotPay.
- Choose whether you want us to call and negotiate your bill for you or send a bill negotiation letter on your behalf.
- Provide the details that will help us negotiate your bill including the company name and the total cost.
- Enter your contact information, including email, address, and phone number.
What Else Can DoNotPay Do?
DoNotPay can help you get assistance with a wide variety of other bills you may be struggling with. Explore the relevant links below to see how DoNotPay can help you today.
- Help with internet bills
- Help with power bills
- Help with light bills
- Help with electric bills
- Help with gas bills
- Help with cell phone bills