miserableforever

miserableforever

Student
Oct 23, 2020
191
I’m located in the US but have no health insurance. What’s going to happen financially, if my attempt fails and they take me in?
 
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Someone123

Arcanist
Oct 19, 2021
441
I’m located in the US but have no health insurance. What’s going to happen financially, if my attempt fails and they take me in?
I had a similar situation, not with psych but another medical situation I couldn't afford, and the hospital adjusted most of the bill but still total medical bills left were between $5000 and $10,000. Since I already had an issue iwth credit card debt I declared bankrupcty to clear the debt. If you don't have other debt the hospital would likely adjust the bill down to something you could pay off over time, but if they don't bankruptcy is an option.
 
miserableforever

miserableforever

Student
Oct 23, 2020
191
That’s still so much..
Failure is absolutely not an option. Like I need more problems.
Off topic, I had a friend who passed from Covid and their bill was over 120k, after adjustment.
 
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Someone123

Arcanist
Oct 19, 2021
441
I

f ur income is low enough, I don’t think they can charge u. I could be wrong
It has to be extremely low for this to be an option- even then they maybe leave some balance, like $5000, thinking that over time you wil be able to pay this.,
 
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setup

Experienced
Nov 18, 2021
208
You may be able to contact the hospital to get your bill reduced. That is a big maybe though.
I think I got a letter once with a bill that said if u make less than this xxx send paystub or tax documents and it would be waived.

But yeah it was a low number
 
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financialrhino

financialrhino

Specialist
Jun 29, 2021
330
Rational: Contact the hospital to see if you can reduce the bill and set up a payment plan.

Less rational: declare bankruptcy

Least rational: ignore it and if it's not a huge amount it may just go away after awhile.

I've seen all three work out for people, just depends on your risk threshold.
 
miserableforever

miserableforever

Student
Oct 23, 2020
191
Still amazes me you have to pay for healthcare in the Us, every everything free here in UK
In Scotland you don't have to pay for your prescriptions either. I would be tucked if I had to do that too
Many are fucked here.
I came to the US a long time ago but I still remember the joys of seeing a doctor without taking out a loan.
 

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