most of the last 6 months, medical costs have messed up my budget

United States
April 23, 2007 8:06pm CST
how do I get control back and catch up? What ideas and tips have you got that can help.All suggestions are welcome.
2 people like this
6 responses
@villageanne (8579)
• United States
24 Apr 07
Medical bills has a way of doing that to your budget in a hurry. One of the hospitals that we owed over $6,000 to sent us a letter that if we would pay half that they would consider it paid in full. So my husband took out a loan from his 401K and we received the check today. WE still owe 4 more hospitals but at least this one will be paid off. Often if you contact the hospital, they will let you pay half of it. They will also set up a payment plan that is in your budget so you can just make monthly payments.
• United States
24 Apr 07
I have to pay upfront for my oral surgery and really because my dental plan only pays 20 percent its not helping me much......we all just keep trying to make it.
1 person likes this
• United States
28 Apr 07
We had to pay upfront for our dental surgery also. It is sad, they keep saying that you get just as good a care if you dont have insurance as you do if you do have insurance. That is a crock. We have insurance, it is not very good but we do have it. If my insurance refuses to pay, we have to pay it, right??? Well there are people who get a government medical card through the state. The money come out of our paycheck. They get free medical care, for nearly everything. Their medication only cost $2 - $4. verses $30 - $60 for us. Where is the justice in that? In reality, we are paying for other people's medical care and meds when we have to do without.
• United States
28 Apr 07
Thanks for Best Comment
• United States
24 Apr 07
The only way I know how is to get a loan, and pay it off like that. Or go to the hospitals/doctors and offer a cash settlement. I have been there more times than I care to think about it. Good luck sugar.
1 person likes this
• United States
24 Apr 07
thank you for your understanding. its been crazy with all the medicines and now an oral surgery. It has been fill one script then fill another and now i have to pay cash up front for my surgery wish I have no choice but to get because it is causing my lynmphnoid problem.The insurance pays some and then I have to pay the rest...sheeeesh...how do we manage to do it all...its a miracle to make it through
@sigma77 (5385)
• United States
24 Apr 07
Maybe try and pay off one bill at a time while sending minimum payments to the others that are due. As you eliminate a few, you can add what you would have been paying to pay off some others. At least you might feel better about paying them off if you can actually pay them off one at a time. I hope you understood what I said.
1 person likes this
• United States
24 Apr 07
thats good information. I will be on a tight budget for awhile untill I recover but will make it. I just have to be careful till I can see the light of day again.lol Its just gotten so outragous...but I have to have this surgery, so I will do it .
@crazynurse (7510)
• United States
24 Apr 07
I hear you on that, we are in teh same situation. We contacted our hospital's billing department and they allowed us to spread the payments out over time. That helped immensely. I have also heard that as long as you mail them something each month, say ten dollars, that they can't do anything to you for non-payment. Of course, if they add interest then that wouldn't be a wise plan. Unless the medcial bills have assoicated interst, I would pay just a tad to each one per month and not short myself on other items.
1 person likes this
• United States
24 Apr 07
its a shame that everything is so exspensive because the charges are for people on a richs mans budget and we are not rich lolthey really need to get these medical costs down. It drives everyone crazy.
28 Apr 07
I find this so hard to comprehend as in the UK we pay National Insurance, a percentage of our wage, and this covers us for any form of medical help apart from dentistry. If people are on Social, they get everything free, including dentistry, so to read you need to budget because of medical costs just sounds weird. What I have done in the past is made a budget plan and scruntinised all my outgoings and made sacrifices over things I can do without. I usually never see my money, as I use cards instead, so I started drawing out a certain amount a week and would only live on that. I found this dramatically reduced my outgoings as I could see what I was spending my money on. Its so easy to waste so much, over things we do not need. Good luck in paying off your bill.
• United States
28 Apr 07
I just read an article recently about hospital bills, but I can't recall the specifics. I do remember reading in that article that if the billing department can't or won't help you, it might be because the hospital has another department set up for helping patients set up payment plans, usually this department is called Patient Services or something similar. Also, I believe hopsitals are notorious for billing errors, so it is always wise to check the charges line by line. Sorry, i couldn't remember more from the article.