What If I Can't Pay My Hospital Bill - Money Questions Answered
February 26, 2021 | Peyton Sawyer
The stress and anxiety of having a daunting hospital bill are enough to make anyone worry. We are here to help give you some alternatives to not feel so helpless. If you are thinking, what if I can't pay my hospital bill, don't freak out.
Let’s Go Over Some Options For Urgent Money for Bills
Ask For An Itemized Bill
Start at the beginning. Ask for a complete, detailed bill. Sometimes mistakes are made. Maybe something was accidentally doubled on your bill. Or something that you didn’t even have done was billed to you.
It’s happened to me a few times, so I always ask for a detailed, itemized, line by line copy of the bill. I’m not saying hospitals are out to get you, but they definitely don’t check their bill before it’s sent out.
If you don’t understand a line item, ask! Ask them to explain what it’s for. It may be that they put something on there you didn’t get, or that they coded the same thing on your bill twice, but by using different language. Speak up if you don’t get it, it may be a mistake.
Leave Your Credit Card Alone
If you are worrying about what if I can’t pay my hospital bill, but you are staring at your credit card, don’t. Please, don’t. Your credit card probably carries extremely high interest rates. Your hospital bill won’t.
Plus, you have to pay off your credit card bill every month, right? You can negotiate on your hospital bill and maybe not pay for a little while. Don’t back yourself into a corner when you don’t have to.
You may feel better temporarily that you’ve paid off the hospital bill, but then once the interest and payments on your credit card kick in, you could be right back to that anxiety-filled mess.
Call And Ask About A Payment Option
This one should be a given go to. Call the billing department and ask them what if I can't pay my hospital bill, what are my options? They will most likely be able to work out a payment plan with you. They’d rather get the money eventually than not at all.
They will sometimes take a percentage of the bill off for calling and asking. Or they can look at your bill and see if there’s anything they can forgive.
If you don’t call and ask, your bill could go to collections, which will affect your credit score. Don’t let it get that far. I know phone calls are scary and you want an adultier adult to do it, but pick up the phone and get it done.
Ask If Your Hospital Has Any Debt Forgiveness Left Over
Hospitals have the option of writing off your bill as charity care if you can’t afford to pay. You might have to submit paperwork to prove this, but a little hassle of gathering documents will be better than being in crippling debt.
Ask your hospital’s billing department what if I can't pay my hospital bill, is there a way to apply for charity care? Hospitals also have the ability to reduce your bill based on your income and what your insurance situation it. Again, you have to call and ask.
If You Have No Other Option, Maybe A Title Loan Would Help
An online title loan may not be your first or best option, but it’s there if you keep hitting brick walls everywhere else. There are some advantages.
- Not a lot of paperwork: Normal loans require so much paperwork. Online title loans don’t. You just need to fill out a few forms and provide a few items, and you are good. It’s pretty painless compared to the options.
- Super fast: You can get the paperwork filled out and be approved in literally 30 minutes. That can take some stress away. Online title loans are pretty quick so you aren’t having to anxiously wait to find out if you are approved.
- Perfect for emergencies: Now, this isn’t going to be able to pay for a big-ticket item, set you up to live off of, or anything like that. This is to help get you out of a jam, and quick. These online title loans should only be used to dire situations.
Now, this isn’t going to be able to pay for a big-ticket item, set you up to live off of, or anything like that. This is to help get you out of a jam, and quick. These online title loans should only be used to dire situations.
Get Wisconsin Auto Title Loans
If you are in the need of a quick, painless online title loan, they could really help you. You can do it all online, which is a huge relief. It could take you as little as 30 minutes to get approved for up to $15,000 for their title loan load. You only need 2 documents:
- Lien free title to your car
Even the signature loan only requires 3 documents to get up to $1500:
- Pay stub
- Bank account statement
If you find yourself needing money to pay off a medical bill quickly, online title loans through Wisconsin Auto Title Loans might be your answer.
If you find yourself asking what if I can't pay my hospital bill, there are options. Please consider every angle, make the calls, and see what would work best for you in your situation. The important thing is that you ask for help, and don't let your debt take an emotional toll on you.
With options like same day car title loans, there’s never a reason to wonder “what if I can’t pay my hospital bill”. So, next time you do find yourself stressing and overthinking, do something about it with the help of Wisconsin Auto Title Loans.