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Old 12-18-2009, 08:28 AM
JL JL started this thread
 
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I have a question. My mother was recently in the hospital for several days due to bowel blockage,gallstones. She was released yesterday and everything is fine now. I'm not sure what the bill will be, but i can only imagine it will be stiff. She has medicare. For those who have experienced something similar(being in hospital for a few days), how much of that will she be paying. I know it is too general of a question, but what if she can't afford to pay the bill? What happens next? Payment plans? What if she can't afford the payment plan? How will this work out? Thanks.
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Old 12-18-2009, 08:50 AM
 
Location: Sherman Oaks, CA
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Medical bills are one of the biggest reason for Americans declaring bankruptcy, unfortunately. I don't know if the hospital will be willing to work with her, but it's not just the hospital. It's also any doctors who treated her. It depends on what they're willing to do. Best of luck!
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Old 12-18-2009, 09:32 AM
 
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If she has medicare it should not be too bad.

It's people who don't have ANY insurance who are usually the ones who are in trouble.
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Old 12-18-2009, 11:58 AM
JL JL started this thread
 
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Quote:
Originally Posted by SandyCo View Post
Medical bills are one of the biggest reason for Americans declaring bankruptcy, unfortunately. I don't know if the hospital will be willing to work with her, but it's not just the hospital. It's also any doctors who treated her. It depends on what they're willing to do. Best of luck!
The thing is that the hospital and doctors might have to work with her. If she doesn't have the funds, not sure what else they can do but wait. I'm assuming the bill is gonna be over 20k, but i have no clue on dollar amount since this is her first visit time staying overnight or multiple nights in the hospital.
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Old 12-18-2009, 12:16 PM
 
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Medicare.gov - How to File a Claim

Just work with the doctors. It can vary as some hospitals can have charity care help etc.
You should just call and get a load off your mind.
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Old 12-18-2009, 12:21 PM
 
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My past experience [albiet many years ago] setting up a payment plan was they were very agressive about wanting me to pay more than I could. I TOLD them exactly what I COULD honestly pay, never missed a payment, and paid it off in due time.

Worst thing they can do is hurt her credit........

I would suggest when you get the bill you sit down and discuss what is realistic assuming that cars will still break down, groceries will go up, etc. and offer to pay not a cent more. They are more used to people just walking away than people actually trying to pay their debts and should work with her.
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Old 12-18-2009, 12:25 PM
 
Location: Mayberry
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The medicare bills of my mom after being hospitalized were 20% of the total which was covered by her secondary insurance.

I'm afraid it will be massive. Being they charge for those little socks!!
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Old 12-18-2009, 12:42 PM
 
Location: Mostly in my head
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I'm on Medicare and rarely have to pay anything, maybe $35 or so. I also have "traditional" Medicare and a supplement; if you have health issues, traditonal Parts A&B Medicare will be cheaper in the long range than the HMO-type policies which look cheaper until you need them!

They are not allowed to charge you more than what Medicare considers reasonable and that's where the supplement is worth it's weight in gold.

All hospitals have a patient assistance person (I used to work in hospitals) and they will work w/you. If it is a non-profit hospital, frequently they will write off a big chunk of the bill. If it's a for-profit place, all bets are off. I would never go anywhere but a non-profit for just this reason.
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Old 12-18-2009, 02:47 PM
 
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Quote:
Originally Posted by grannynancy View Post
My past experience [albiet many years ago] setting up a payment plan was they were very agressive about wanting me to pay more than I could. I TOLD them exactly what I COULD honestly pay, never missed a payment, and paid it off in due time.

Worst thing they can do is hurt her credit........

I would suggest when you get the bill you sit down and discuss what is realistic assuming that cars will still break down, groceries will go up, etc. and offer to pay not a cent more. They are more used to people just walking away than people actually trying to pay their debts and should work with her.
Some states they can garnish your wages and they can sue you for it.
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Old 12-19-2009, 07:44 AM
JL JL started this thread
 
7,310 posts, read 11,474,267 times
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Quote:
Originally Posted by pitt_transplant View Post
Some states they can garnish your wages and they can sue you for it.
From what i've been told, in Texas, your wages can't be garnished unless it is for child support or taxes. As far as being sued, i think people can sue and get a judgement, but if there is not enough $, i guess a reasonable payment schedule makes more sense.
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