No matter how financially disciplined you may be, medical emergencies or chronic health conditions can leave you in debt. While filing for bankruptcy often helps relieve the financial burden, this approach is typically the last resort. Below are a few tips for taking control of your medical expenses to help you avoid this outcome.

How to Avoid Bankruptcy Due to Medical Bills

1. Talk to Your Insurance Provider

Hospitals sometimes send bills directly to the patient instead of their insurance company. In other cases, your insurer might deny responsibility for charges that are covered by your policy. Before paying a bill you receive, call your insurance company to review your coverage contract and understand what your out-of-pocket expenses are.

2. Negotiate With Debt Collectors

Most medical debt collectors understand that patients don’t usually have the funds to pay off exorbitant bills. Collecting part of the balance is better than nothing at all, so agencies are typically willing to negotiate reduced amounts or payment plans that fit into your budget.

3. Choose Medical Providers Carefully

While most for-profit hospitals do offer some financial assistance, those affiliated with churches or other charity organizations are often more forgiving. Many of these providers are willing to offer lower rates to financially stressed patients who need continuous care. In New York, free or affordable care is also available for uninsured or underinsured patients in low-income brackets.

If you’re dealing with unmanageable medical debt, John D. Wieser Esq., PC will help you get a fresh start. This bankruptcy attorney is committed to helping people throughout the Rochester, NY, area discharge debt. He fully informs clients on Chapter 7 and Chapter 13 bankruptcy options, allowing people to make the most educated decisions for their specific circumstances. Visit his website for more on these bankruptcy services, follow his Facebook page for tips and updates, or call (585) 328-0660 to schedule a consultation.