What If I Can't Pay My Hospital Bill - Money Questions Answered

February 26, 2021 | Peyton Sawyer

what if i cant pay my hospital bill

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.

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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.

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