Received a huge hospital bill with no insurance

[Anonymous No.49366732]

I make too much to qualify for any Medicaid or financial assistance according to the hospitals website. What are my options?

[Anonymous No.49366750]

what disease?

[Anonymous No.49366754]

>>49366732
Debt for life or KYS

[Anonymous No.49366785]

>>49366732
How big is the bill?

Also just take out huge loans at any place possible, including credit card and payday loan places, and flee the country.
Enjoy comfy life as a rich man in another country while the bankers seethe

[Anonymous No.49366787]

>>49366750
No disease but it was roughly 2 and a half days in the ER. Not disclosing my medical info on the ch0n.
>>49366754
You can clear your debt after 7 years I’m not worried about that slightly worried of wage garnishment or it going to collections and then getting sued and the JEWdicial system granting them rights to seize my assets though.

[Anonymous No.49366818]

>>49366732
don't pay it
credit hit for 7 years then it falls off.

[Anonymous No.49366821]

>>49366785
About 40k if it was under 20k I’d just say fuck it and never answer collections calls but this amount has me slightly worried they might sue me over it. Fucked up if I was some poor niggerand could get Medicaid my bill would be 750 dollars but I don’t qualify.

[Anonymous No.49366825]

>>49366787
U don't get healthcare for free? Damn nice country u live in americucks

[Anonymous No.49366845]

>>49366825
Don't forget the 20% tip too faggot HAHAHAHAH

[Anonymous No.49366865]

>>49366818
Jews won’t sue me and seize my assets? Highly debating going the sam Hyde AHHHH JEEEEZ DOOOOD route but with this amount idk if that would work.not really concerned about my (((credit))) good goy score but I don’t want them to seize my stonks/take my car.

[Anonymous No.49366881]

>>49366825
It’s unbelievable had I known this would happen I would have walked out of the hospital after the first day, of course they wanted to “keep me there to monitor everything was good” for an extra day and a half.

[Anonymous No.49366892]

Tell the hospital that you don't have insurance. They intentionally jack up the prices because that's what insurers will pay, it's not what they expect the patient to pay. You can probably get it down to less than half of whatever it currently is.

[Anonymous No.49366898]

I've never paid my medical debt and my credit score is 701. I'm fairly sure medical debt doesn't affect your credit

[Anonymous No.49366917]

I just don't pay. The bill shows up and i toss it In the trash. Fuck um.

[Anonymous No.49366936]

>>49366732
Can't understand America. You pay taxes but don't have healthcare

[Anonymous No.49366974]

>>49366892
I’m gonna try this but I have a feeling those greedy yids will look at my income and try to juice me for every penny they can
>>49366917
Highly debating this just worried about asset seizures if a debt collector sues.

[Anonymous No.49366979]

>>49366892
This, ask for an itemized expense list and clarify that you're a cash payer. Then negotiate the pricing. Then ask to be put on like a 5 year payment plan.
You can also just not pay, but I wouldn't condone that

[Anonymous No.49367011]

>>49366732
Why did you accumulate a huge hospital bill? They’re not your friends- you need to stay healthy- you’re not a boomer who can just delegate your health to another person or institution.

[Anonymous No.49367058]

>>49366936
>insert jpeg of fat black lady hooked up to medical devices
Working whites get to foot the bill for minorities here diversity is our greatest strength!
>>49366979
Why wouldn’t you condone not paying? The medical system has caused all sorts of problems in my life I don’t owe them shit especially after watching their tik Tok dances during the “pandemic”. Has anyone in here ever just not paid a mid 5 figure medical bill?

[Anonymous No.49367064]

>>49366821
hospitals overcharge because everyone is on insurance. ive always heard you can negotiate down. they want money, not to waste it bankrupting you. unironically try and contact pharmabro see what his opinion is.

[Anonymous No.49367083]

>>49367064
This will definitely be my first plan of action I can just foresee them trying to jew me.

[Anonymous No.49367096]

>>49366865
/shrug
i havn't heard of it.
i'm pretty sure medical bills get a fed payout.
if they did you would have time to shield your assets. if your bill is less than the cost of a months worth of work for those lawyers they probably won't.

it's horseshit that subhuman filth get free healthcare based on your taxes and they want to make your standard of living lower than theirs, all the while importing millions more a year who also get free everything.

i wouldn't feed their system that fucks over workers and gives to useless criminals who make life worse. i'm honestly eyeing the door these days. either join the SS when hyperinflation hits or move to a 3rd world undeveloped spot that doesn't have oil or rare earth minerals. should be shooting fish in a barrel to leverage brains to make a living.

[Anonymous No.49367136]

How do you make enough to not qualify for health insurance but also fail to have your own health insurance? you deserve to be in debt kek

[Anonymous No.49367150]

>>49366974
>asset seizures if a debt collector sues
do you have anyone you trust family etc?
xfer car and whatever else to their name.
that is what the parasites at the top do.
or if you don't have that you should have an LLC and have your portfolio and car and house owned by the LLC. that is good advice for anyone. they come after you personally they can't get at corporate assets. use these corrupt rules right back at the shitheads who view you as a sheep.

[Anonymous No.49367158]

>>49366936
>UNIVERSAL HEALTHCARE IS GOMMUNISM

[Anonymous No.49367183]

>>49366732
just don't pay it, they can't do anything
>t. didn't pay $3k

[Anonymous No.49367184]

>>49367096
https://m.youtube.com/watch?v=oD2gXY4piF4
Always gives me a KEK. But welcome to America fren we will patch up nog gang members shot in a drive by that spend their lives in and out of prison but when a working class tax paying member of our society gets in trouble they try to put your head in a vice. It’s why I’m highly debating just saying fuck it and not paying a dime but like I said I’m worried about asset seizures.

[Anonymous No.49367191]

>>49366936
>oh say can you see

[Anonymous No.49367235]

>>49366732
just ignore it desu

[Anonymous No.49367237]

>>49367150
Wouldn’t (((courts))) be able to easily see those asset transfers? Thought of this but I’m pretty sure Jews have it down to a science how to make sure goyim aren’t wiggling their way out of any financial stranglehold they decide to put on us.
>>49367183
There’s a big difference between a 3k bill and 40k anon if it was less you bet your ass I would just laugh about it and toss the bills in the trash.

[Anonymous No.49367264]

spent 2 hours in an er for chest pain. x-ray and an asprin = $800 after all insurance coverage. Receive all the insurance statements and noticed tens of thousands of dollars were charged. Looks like I'm giong to risk a heart attack on the next chest pain event. At least if shit goes down, my family will get my assets and not the jews

[Anonymous No.49367273]

>>49367237
why don't you have insurance? if it's because you previously had insurance but your insurance hasn't kicked in at your new job yet, you might be able to retroactively purchase COBRA coverage.

if it's any other reason, you're fucked.

[Anonymous No.49367283]

>>49366865
No dude, it doesn't work that way. If you don't pay the hospital by a certain time, the debt is sold to a collection agency, and only in extreme cases does a debt collector sue the person who owes them money. The reason for that is simple. They know they can't get blood from a stone. They bought your debt for cheap and all they want to do is recoup a little more than their investment. So what they'll do 99% of the time is simply harrass you, or your family, on the phone to try to get you to pay something. You can work out a payment plan in order to pay back far less than 50% of what you owe. Make up a sob story. Tell them about some pills you have to take and you can't work any more. They will work with you.

[Anonymous No.49367286]

>>49367264
>he doesn't know that insurance companies can and will make claims against his estate

[Anonymous No.49367287]

>>49367237
I owe 25k for some bs cat scans. I just don't pay. Don't answer the phone. Throw the bills away. The debt goes to a third party and eventually falls off my jew report

[Anonymous No.49367298]

>>49367237
Just don't pay, I don't think they can even charge interest, so in the unlikely scenario that they try to get the money somehow you can always pay later (but don't pay)

[Anonymous No.49367306]

>>49367273
I was NEET/working under the table until a few months ago. I had shitty insurance the year prior but didn’t renew it at the first of the year.

[Anonymous No.49367318]

>>49367136
This. Should at least pay for basic bitch insurance if you're unemployed.

[Anonymous No.49367320]

>>49367283
debt collectors can and will sue people in court, and you will be forced to get a lawyer and attend court or the judge will make a default judgement against you -- it won't be good. source: my sister was sued by discover card for ~$20k in credit card debt. she had to lawyer up and travel to a state court 2 hours away, and go before a judge. she later filed bankruptcy -- she also had to go before a bankruptcy judge for this.

[Anonymous No.49367329]

>>49366732
OP, I had 150k debt for a 1 day surgery. I didn't qualify for medicaid or financial assist because I made just enough
>look into medical debt charity
this took off around 50k alone I had to give them a lot of information but eventually it went through
>call them or walk in and explain the situation
calling them usually didnt do jackshit but initially they wrote off around 45k. I had to actually go to the hospital and speak to someone in their financial dept and explain I was fucked. I lucked out with a woman who cared and she dropped the remainder 50k to around 4k that I put $50 a month into
>unforseen medical
I got a lot of separate bills relating to anesthesia, the initial ambulance ride, and random bills for anywhere from $200-1900 that I either negotiated or I just paid. It's all a fucking scam but you can get through it if you dont want the chance of them garnishing your wages or fucking your credit. Check your states debt laws for situations like this and go from there

[Anonymous No.49367341]

>>49366732
You can write them a letter explaining you aren't covered by insurance and beg them to take pity on your pathetic existence and they will likely lower the bill down a couple thousand dollars, then just pay them $1 a month for the rest of your life

[Anonymous No.49367342]

>>49367184
What assets do you have for them to seize? If bank account cash, take it out and bury it. If physical stuff, hide it and then just not pay.

[Anonymous No.49367343]

>>49367320
>>49367283
also i'm not saying that you have to pay the bill. you can jew them down. it'll fuck up your credit. but if you get a notice to appear in court in the mail, it is in your ABSOLUTE best interest to contact a lawyer and show up to court.

[Anonymous No.49367358]

>>49366936
On top of the massive compensation we get over yuropoors, even post obamacare, the vast majority of insurance is tied to your employer.
Anyone with enough human capital to actually have gainful employment; i.e., not serving plates of goyslop to obese boomers, has a good health insurance policy to avoid these situations.

The taxes we pay are to the military industrial complex, so that the global hegemony protects your little shithole from slav troglodytes.

[Anonymous No.49367380]

>>49366732
just dont pay it

[Anonymous No.49367381]

>>49367329
also I had random bills that were attatched to the large bill that dont seem like they're separate bills but I had two that were like, $300 each go into debt collections that I quickly caught, called the hospital the next day and paid right there and then and it was wiped from the debt collectors info

[Anonymous No.49367400]

>>49366732
Uninsured discount if the hospital offers it. Most do. Also prompt pay discount if you have the funds. Or ignore it as most anons have said. Either way, request an itemized bill and dispute form, and go through and highlight any bullshit charges or services charged over the cms medicare rate (these can be found online).
>.t hospital AR wagie

[Anonymous No.49367401]

>>49367320
Yea this is what I’m worried about but credit card debt is different than medical debt with a credit card your sister intentionally spent more than she can afford with medical debt you don’t get hurt on purpose and don’t consent to the hospitals shit they just do what they want and bill you whatever they feel like.
>>49367329
This gives me some hope thanks anon sounds like I’m gonna have to actually go to the hospital and talk to some people. Fucked up I got the initial bill that was under 1k but it was pending Medicaid acceptance I know for a fact I don’t qualify for it so when I called back to ask about the bill again they bumped the bill up to fucking 40 grand.

[Anonymous No.49367412]

>>49367358
>good health insurance
dude it's all shit. i work for one of the largest health insurance companies in america (in a white collar role, not wagie bullshit) and the coverage is still awful.

[Anonymous No.49367418]

>>49366732
Tell the hospital you can't pay, they'll make it cheaper

Alternatively, don't pay it. Don't respond to any letters to pay it. Don't answer your door. Wait 7 years and it goes away

[Anonymous No.49367426]

>>49367286
The bill was paid for. Nothing else for them to claim. What I'm saying is if I get more chest pains, I'd rather take an asprin and hope for the best rather than have some fuck in a hospital tell me I'm ok 2 hours later then demand me to pay a weeks worth of pay

[Anonymous No.49367474]

>>49367342
Bank accounts, car, stonks, guess if they really dig deep they could find my crypto but I can always just change wallets and say I lost the keys/got hacked.
>>49367418
I think I’ll try reasoning with the hospital and explain my situation first and if they won’t budge I’ll just say fuck ‘em.

[Anonymous No.49367499]

>>49367320
>my sister was sued by discover card for ~$20k in credit card debt
Discover is a bank, not a debt collection agency. Credit card debt is a completely different from what I'm talking about. If you rack up credit card debt like that and you can't pay it, you're fucked.

[Anonymous No.49367507]

>>49366821
If you were on Medicaid your bill would be 0 anon.
>>49367264
Hospitals and insurance companies have things called contractual adjustments. Basically they charge amounts that no one ever pays. Don't confuse those with actual payments on the bill.
>>49367329
>Charity
Also a good idea. I thought you had to be really poor to qualify

[Anonymous No.49367563]

>>49366732
Tell the hospital you need to see an itemized list of every charge

[Anonymous No.49367655]

>>49366732
Ask for an itemized bill, it should be reduced

THEN ask for a cash discount. It should be reduced

THEN ask for MORE off. Doing these things can lower your bill dramatically.

If you still can’t pay they will send the already reduced bill to collections. Sometimes agencies will put it on your credit report sometimes they won’t.

When it goes to collections try to settle for 50 percent. Keep calling, keep negotiiating. Most placrs will only settle for 20-30 percent off the top so you may have to settle for that.

Remember it’s against the law for them to lie to you. Ask them if they will report the debt to credit beurues. If not, it can sit there as long as you’d like without effecting you.

If you mention a lawyer or litigation they will stop talking to you and refer you to their legal team where they will take you to court if the balance is big enough. Don’t do this unless you truly believe they’re scamming you or pulling some shady shit.

T.
Former medical debt collector

[Anonymous No.49367701]

>>49366732
Hey this is me too right now but I still don’t know what the damage is. (Had my appendix removed) I may qualify for Medicare though I have a phone interview soon.

[Anonymous No.49367734]

>>49366732
Chapter 7 or Chapter 13… or you get a job and agree a payment plan over 5yrs.

[Anonymous No.49367751]

>>49367655
I’ll try all these steps how often do they sue and garnish wages/seize assets and is there specific dollar amounts they bother to do this over?

[Anonymous No.49367784]

>>49367058
>Why wouldn’t you condone not paying?
Because someone did the work and you OWE THEM THE FUCKING MONEY YOU CANCEROUS STUPID ZOOMIE PIECE OF SHIT. Fuck we need to strengthen bailiffs and laws against debtors this zoomer crap 'I feed sad so I'm not paying by debts' what the fuck are you Greece?

[Anonymous No.49367806]

>>49366732
Pay $1 a month for life

[Anonymous No.49367825]

>>49366732
Work out a payment plan. Make two payments. Tell your doc to sign you up for dick enlargement surgery. File bankruptcy. Free donkey dick.
Simple as.

[Anonymous No.49367937]

>>49367784
The American medical system is predatory and overinflates costs. Why should anyone pay medical bills when they're getting ripped off? Real cost of his visit is probably 10% of the bill.

[Anonymous No.49367940]

>>49367784
>he thinks it’s honorable to prop up the Jewish loan sharking/debt enslavement system
If they billed me a reasonable amount I might be with you but 40k for a 2 and half day stay where all they did was monitor my breathing/heart rate? Nah.

[Anonymous No.49368104]

>>49366881
you tell me, i a had something stuck inside my pooper and youre telling me these good for nothing faggots had no way of getting it out without gutting me open. these hacks are money hungry and kill people on the regular through "medical error" and then shove the bill to their next of kin. kikespitals, never again.

[Anonymous No.49368472]

>>49366732
File for bankruptcy. Put a tank of gas on a credit card each month after you declare bankruptcy, in 3-4 years your credit will be back to normal.

[Anonymous No.49368499]

>>49368472
Seems like a bad idea if I plan on buying a HOOOM in the next few years.