Those who are good at managing money will ensure that they have tight control over their expenses and this includes their usage of credit card as well. Even though they control their expenses with a tight fist, it is quite likely that an unplanned occurrence like medical treatment can make them spend all their saved up money.
If you are thinking that food and home are the two basic things that you would need to work for and provide for the family, you need to include medical care in the basic requirements too. You would need to provide for and take care of the medical expenses of all of the family members.
If you run very huge medical bills and are unable to settle them fully, then of course there are options that you can explore with the help of your doctors.
Normally hospitals have tie ups with donor organizations and sanatorium management which provide financial aid to those who cannot afford to pay the medical bills completely and are able to take on a part of the responsibility of payment. To avail of such options you would need to contact your doctor and the administrator at the hospital for details.
Though the private donors and other funds are available, it is quite possible that you may not be able to get timely help due to the maze of administrative procedures that are required to be followed and the time it takes to get things through. In such cases you have another option of seeking aid from the federal Government's debt settlement programs that is available for all citizens and arrange to pay your medical bills.
The best thing for you to do would be to engage one of the best attorneys who specialize in this area of work. Since he would know the procedures, rules and regulations, he is able to take care of all the paper work on your behalf and also present the case in such a way that you get the maximum relief possible under the scheme.
From the hospital authorities you can easily get up to twenty five percent discount on your bills including doctor's fees. If you are able to pay of the rest then it is fine. But if your medical bill total is very huge then you might still not be able to afford to pay the balance and would need further assistance.
If you are worries about having to make advance payment to the settlement firms, relax. The new FTC ruling by the Government has banned such upfront payments and this works in your favor that you do not have to make any upfront payments at all.
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