Financial Assistance For Medical Expenses-How I Paid Off $44,000 Of Medical Debt.
My son who was born prematurely stayed in a local hospital close to my home. I assumed this medical institution had my kids interest and my finances in mind, but that is not the case. Many medical facilities are not there to help the people as they claim, but rather for their financial gain. One morning my wife and I went through some of our mail and found a bill for $44,220 for three days at the NICU. Outrageous! Being a student and working for a yearly salary of $28,000 there was no way we could pay for this bill. So we sought financial aid from governmental sources to no avail. I was denied coverage because I did not meet the income requirement. So we kept trying, researching and calling as many government agencies as we could. Until one day we came across donation groups such as Go Fund Me. We managed to raise to raise the money needed to pay that bill, but unfortunately, he was admitted for three months so you can imagine how large the bill was. So we again tried to raise the money again and came up short, so we sought another way to pay his bills. Again, we tried to get him coverage through Medicaid when we finally managed to be successful. We both agreed that this unfairness shouldn't be and being dependent on the government isn't good as well due to health care changing.
Donation Websites and Community Groups
GoFundMe and GiveForward are two of the biggest Donation Groups online today.
They provide a service which has revolutionized online giving. Both allow individuals and their families to create a campaign which you can raise funds through donations from others around the world. No matter the disease or ailment you can create a campaign. Here are the benefit for both you and the individuals. Let start with the person who is donating. When making any form of donation, tides for church or contribution you can deduct it from your taxes to learn more visit http://blog.turbotax.intuit.com/tax-deductions-and-credits-2/charitable-giving-and-your-taxes-7604/ Another benefit to donating it has positive physiological effects on the mind and body. According to The Life You Can Save a donating blog "In research conducted by the National Institutes of Health2, participants who chose to donate a portion of $100 they were provided enjoyed activated pleasure centers in the brain. Although this experiment was controlled and scientific, it did show that donating money simply makes you feel better, which is something we can all benefit from." The benefits for the person receiving the donation is less stress over their medical bills, a chance to receive excellent medical care and hopefully one day to return the favor. Well, it is not completely free. The owners and employees do need to get a pay check, so they take about 7.9% out of all the money raised through these campaigns and donations. Even though they charge, it is a small amount to pay compared to the alternative.
Governmental Resources
Numerous government programs are most times state specific so here is a list of websites that are completely general.
will help you find government benefits to which you may be entitled to.
Prescription Medication Resources The list below is not a governmental website that assists in paying for medication.
helps patients with chronic illnesses pay for prescription drug co-pays, deductibles, and health insurance premiums.
offers assistance for patients with diseases such as osteoporosis, ovarian cancer, and hepatitis B and C. The organization helps with mediation and negotiation related to medical debt issues, as well as co-pay assistance.
Note: Medical Equipment can also be classified as a prescription if prescribed by your doctor. Make sure the script is filled out completely with diagnosis code ICD-10 and number of times to be used.
Specific Illnesses
Leukemia & Lymphoma
offers assistance with managing health care claims and filing appeals if needed. It has a co-pay assistance program to help pay for insurance co-pays and premiums, as well as prescription drug costs.
Cancer
provides assistance to help eligible families pay for cancer-related costs.
Eye Care
Vspglobal.com vspglobal provides free vision exams and glasses to low-income, uninsured children age 18 and younger.
buys eyeglasses for people in financial need.
Missioncataractusa.org offers free cataract surgery to people of all ages who otherwise can’t afford to have the surgery.
Hearing Aids
Hearing Loss.org has information about a wide variety of assistance programs in each state, as well as specific programs to benefit veterans and children.
Thehikefund.org helps provide children under the age of 20 with hearing and/or assistive listening devices who have a financial need.
Miscellaneous
https://billadvocates.com/ are individuals or companies who, for a fee, will go over your bill to make sure you’re not being overcharged.
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If you are curious about how our little one turned out, see for yourself.
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