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Old 01-20-2015, 06:15 PM
 
3 posts, read 2,717 times
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Ok this might take a bit to explain.

In earlier Dec. my folks were in a car crash. They both spent over a week in the hospital. After which mom was discharged but dad died a day later due to complications. Dad's bill is covered by the VA.

Moms wasn't her insurance covered some of it but she worried about the other 100k in bills. Shes trying to make arrangements for a payment plan. Luckly she qualities for dad's VA benefits which isn't a lot but about 1300 bucks a month.

What shes really worries about is can the hospital come after the money she got from Dad's life insurance which is about 50k or so. Shes just really worried they'd come after it and she would lose all the money.

If this matters she hasn't worked in the last 2 years since she retired. Dad was the only one working.

So is it true can the hospital come after it?

Any advice would be appreciated.
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Old 01-20-2015, 06:26 PM
 
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They would have to sue and get a judgment, then execute the judgment by levying the account. Yes, it is possible for them to get the money - Though I think it is fairly uncommon in most states.

More likely is a lien being put on the house (if they owned one), which would make it difficult to sell or take out a reverse mortgage on.
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Old 01-20-2015, 06:47 PM
 
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Thats kind of what i thought. She's still pretty foggy from the accident so shes really worried about everything. She's working with the hospital but the insurance company's dragging there feet.

I thought like some hospital they might dismiss the debt since her income is under the poverty level. This happened in FL. where they spend the winters.

thanks for the input
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Old 01-20-2015, 08:03 PM
 
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Why does she have a $100,000 bill if she had insurance? That doesn't seem right.
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Old 01-20-2015, 08:27 PM
 
Location: Greater NYC, USA
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The problem with insurance and hospital bills is that not all medical bills have to be paid. If she got a letter from her insurance company saying that she owes the hospital the 100k then she probably owes. Otherwise she might now even owe that.

Then there are fair billing practices where this bill can be reduced. Like when hospital charges $20 for napkin.

Talk to the insurance company about what is paid and what is owed.

Talk to a lawyer, but bring your paperwork with you.

Hospitals do balance billing, they bill for the balance of what insurance did not cover when they tried to over-bill insurance.

There is a department of Banking and Insurance in every state. You can contact them to help resolve the bill confusion.
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Old 01-20-2015, 08:37 PM
 
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Quote:
Originally Posted by EDDY125 View Post
Moms wasn't her insurance covered some of it but she worried about the other 100k in bills. Shes trying to make arrangements for a payment plan.
Something doesn't sound right, was she the driver and at fault?

Quote:
Originally Posted by EDDY125 View Post
What shes really worries about is can the hospital come after the money she got from Dad's life insurance which is about 50k or so. Shes just really worried they'd come after it and she would lose all the money.
Yes, life insurance is fair game. If they sue and are granted a judgement by the court, all income and assets (except those specifically protected by law like homes in many states) can be gone after. Even if she spends it all or hides it, the judgement can be renewed and stay on her credit report.

She should seek the legal advice of a qualified attorney. She may be entitled to free or reduced fee services under some legal program for the elderly or poor.
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Old 01-20-2015, 08:42 PM
 
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Is the insurance referenced health insurance or car insurance? I never heard of health insurance that left you with a $100,000 bill.
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Old 01-20-2015, 10:31 PM
 
Location: Vallejo
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Quote:
Originally Posted by Blondy View Post
Is the insurance referenced health insurance or car insurance? I never heard of health insurance that left you with a $100,000 bill.
Depends. They don't always cover non-standard treatment modalities, in-network coverage, and so on. I've seen some cases where someone gets taken to an out-of-network hospital for an emergency (which is fine), gets stabilized and is never transferred. From the moment they are stabilized, the insurances stops covering. Then you get a lawsuit. The hospital generally dropped the ball and then bill the insurance company the full freight (negotiate rates are WAY less). The insurance company says, nuh-uh, we ain't paying. Hospital sends the bill to the patient. Gotta keep lawyers busy.
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Old 01-21-2015, 07:09 AM
 
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OK ill try and clear up from what i know.

The health insurance was exhausted. So the remaining balance is around 100k. Dad did turn out in front of the other guy so the accident was his fault. The guy that hit him didn't have any car insurance. I did talk to 1 financial advisor last night and he did say that they wont come after a house under 50k so shes considering investing the money in a house. But honestly right now that doesn't sound right either.

Im trying to get her to take a breath and get things worked out with the hospital first. Since they don't even know she has the money right now. All they know is what she's told them. And I assume they wont go through the court system if she's trying to work with them on getting the debt resolved.
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Old 01-21-2015, 07:20 AM
 
Location: Vermont
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A friend is in a similar situation. She pays the hospital $50 a month. She'll be paying for life but as long as she pays something they won't come after her. It's worked for her.
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