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re: Would you ever consider declaring bankruptcy if your hospital bill was high enough?
Posted on 9/30/19 at 8:30 am to TheHarahanian
Posted on 9/30/19 at 8:30 am to TheHarahanian
What are the things one does to destroy a pancreas? Serious question. My SIL just got diagnosed with pancreatic cancer. That's some bad shite.
2
Posted on 9/30/19 at 8:32 am to SCLibertarian
What kind of part B bill runs over $600,000? Part A is where you typically see astronomically high bills and Medicare pays their portion after you meet the deductible.
Posted on 9/30/19 at 8:33 am to MBclass83
quote:
What are the things one does to destroy a pancreas?
In his case, near constant drug and alcohol use. Never gave his body a chance to recover.
Posted on 9/30/19 at 8:40 am to Areddishfish
quote:
I want to see more specifics. Reddit is notorious for people inventing elaborate stories for karma. Even if you have a lower plan, your out of pocket max would be no where near that.
A writer for Vox did an in-depth investigation into ER bills and included copies of ER bills that people sent her in her column. It's a pretty eye-opening column.
Vox
I didn't see a link, but I thought at one time her database of bills was available to see.
Posted on 9/30/19 at 8:40 am to Volvagia
quote:
Am I just sheltered? Even under out of network family plans the absolute most I would pay is 24k. What the hell are they getting for their insurance?
All they have to say is it’s not covered and it doesn’t apply to your deductible
Posted on 9/30/19 at 8:46 am to Asaul
I think in the Reddit story, there was in issue with pre-authorization that led to some services not being covered.
Posted on 9/30/19 at 8:49 am to 777Tiger
This was 17 years ago, we live and we learn. We were young and panicked, it all worked out.
Posted on 9/30/19 at 8:50 am to Chuker
quote:
Maybe so I don't have any first hand knowledge. But logically why would a hospital accept $120/year payment on thousands or hundreds of thousands of dollars? I just don't know why they would bother with such a small amount unless legally obligated and maybe they are in some states.
Because some money > no money.
Posted on 9/30/19 at 8:52 am to rsbd
quote:
This was 17 years ago, we live and we learn. We were young and panicked, it all worked out.
I understand, not meant as an insult, I probably wouldn't know anything about this if the old lady hadn't been in the business, you see a big bill, you want to do the right thing but the amount is crippling, glad it all worked out
Posted on 9/30/19 at 8:52 am to GetCocky11
If they were demanding it up front, then I would consider it, but it would probably be smarter to let it go to collections and work out a payment plan with the creditor if the hospital wouldn't let you setup a payment schedule.
Posted on 9/30/19 at 8:53 am to MBclass83
quote:
My SIL just got diagnosed with pancreatic cancer. That's some bad shite.
90% of people diagnosed with this disease die within the year. Prayers for your family.
We lost my MIL to this and work with a local charity to raise money for research here at UAB. Terrible, terrible disease.
Posted on 9/30/19 at 8:56 am to lsunurse
quote:
My dad owed like 3-4K from a hospital stay
Who even thinks of filing bankruptcy over 3-4k? I think you are missing the point of this thread
Posted on 9/30/19 at 8:59 am to GetCocky11
No just don’t pay it and seven years it’ll be gone
Posted on 9/30/19 at 9:03 am to biscuitsngravy
add intentional torts to non dischargable debt.
Posted on 9/30/19 at 9:05 am to No Colors
income taxes are dichargeable but not payroll taxes.
Posted on 9/30/19 at 9:07 am to No Colors
quote:
Usually easier to just negotiate a discounted payment. Walk into the business office with a prepared Bankruptcy filing. Along with all your financial information. Tell them you'll write a check for $5000 in exchange for a total release. Or, you'll file BK and they get nothing.
They'll take the $5000.
Something like this. Ignore the bill, negotiate for 5% and they will take it.
Posted on 9/30/19 at 9:22 am to lsunurse
quote:
My dad owed like 3-4K from a hospital stay (after insurance). Hospital has him paying $89 a month until it’s paid off.
OP, was making reference to over $130K worth of medical bills, which is at a whole different level than 3-4 grand. No one in their right mind is declaring a BK over 3-4 grand worth of medical bills.
Posted on 9/30/19 at 9:23 am to No Colors
Domestic support
Posted on 9/30/19 at 9:23 am to Breauxsif
quote:
No one in their right mind
related to nurse, doh
Posted on 9/30/19 at 9:25 am to OceanMan
Damn. Every day I wonder why doesn’t the majority (those without existing expensive chronic issues) doesn’t use HDCP/HSA if they all have it available.
Self insuring as much as possible seems critical if they can easily say they won’t cover a critical procedure.
Self insuring as much as possible seems critical if they can easily say they won’t cover a critical procedure.
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