I feel like I should make a post about this because it’s not something that’s very well-known, and that Americans in particular may need to know about given the uncertain state of our healthcare system at the moment. I’ve wanted to write this out for a while, It’s kind of a long post, so sorry about that!
If you have an emergency and have to go to the hospital, you’ll owe the hospital a lot of money. (I got into a car wreck and broke my ankle and my arm. My hospital bill was around $20,000)
You’ll also owe the ambulance provider, if you need one. (My ambulance bill was about $800)
You may get separate bills from the anesthesiologist or surgeon. (My anesthesiologist bill was $1,700)
You may need follow-up appointments. (My orthopedic surgeon billed me for the appointments and his surgery together and it was about $1,000)
You’ve also got to pay for medical equipment you need afterward, like crutches or a walking boot. (Mine cost about $75)
Altogether, I ended up with almost $24,000 in medical debt from one car accident. That’s a really scary number for someone like me who makes $10/hr at a 12 hour a week job.
I got my debt down to $1075 by making some phone calls and submitting some paperwork.
The first thing I did was contact the hospital. They don’t make it easy to find, but many hospitals (perhaps most hospitals?) have financial assistance programs for people who can’t afford medical bills. I don’t make a lot of money, and I have bills to pay, so they were able to help me. I called the billing department and asked if they had any assistance programs for low income people who can’t pay their bills. I had to call multiple times, and I got transferred in circles by people who didn’t know what I was talking about. Finally, I got an appointment with someone in “Eligibility Services” (I don’t know what other hospitals call it, if it’s something different). I had to bring my pay stubs and copies of all of my bills. When I got to the hospital for the appointment, nobody knew what I was talking about so I had to wander a little to find where I needed to go. I spoke with the guy in Eligibility Services, and I waited for a decision on how much of the bill they would forgive. A month later, I got a call telling me it was totally forgiven.
I did the same thing for my ambulance bill and my anesthesiologist, but the process was a LOT easier. I just had to mail some paperwork and it was totally forgiven.
I didn’t bother with the medical equipment suppliers, since the bills came from separate companies and I didn’t feel like going through the process twice for $75. I was assured at the hospital that they had similar programs for debt forgiveness, so I could have probably avoided paying that too.
The only thing I couldn’t get taken care of was the surgeon/follow-up appointment cost, but they were able to put me on a no-interest payment plan.
Medical debt is scary because it’s something that can come from stuff that’s already really scary. I didn’t need the burden of $24,000 in debt on top of trying to get around on a crutch with a broken arm (it’s not easy, believe me!).. but I can’t imagine what it would be like with a bigger debt or a more severe medical emergency. I see lots of people in even worse trouble than I was in, both financially and medically. Please know that there are options for you when that GoFundMe doesn’t do enough. Even if your income is higher than mine, it’s worth a shot even for partial debt forgiveness.
I am about 900% sure there are people who don`the know this.
PLEASE READ THIS IF YOU LIVE IN AMERICA AND HAVE MEDICAL BILLS
I had to do this once as well and I can ABSOLUTELY confirm that this is true.
Get in contact with the hospital. Don’t just…sit there and let the anxiety grow and panic and then ignore it in an effort to find peace.
Maybe misusing the name of God isn’t so much about saying the shallow words, “Oh my God,” as it is about using the name of God to justify discrimination, oppression, injustice, racism, slavery, xenophobia, poverty, sexism, islamophobia, ableism, homophobia, war, & the list can go on.
Amen
When I was a wee little Gaslight attending Catholic Sunday schools, and then later in college when I was taking a Bible as Literature class, both my stolid neighborhood deacon and my dapper Protestant professor said almost the exact same thing:
“Taking the Lord’s name in vain isn’t when someone says ‘God damn it.’ It’s when a mortal, fallible human being presumes to put words in God’s mouth and say ‘This is what God wants you to do.’“
I tried to explain to a friend of mine who has never ever been poor in his life why it is that poverty is a cycle, and why it’s so difficult to escape poverty.
His response was, “just save money”. I kept trying to explain that when you are living paycheck to paycheck, there really is no saving money because most of your income is being spent on basic needs: food, shelter, clothing, transportation.
So, then he responded, “well, why can’t you just save $5 every week”. Well, a lot of poor people do try to save. I would manage to get a few hundred in my savings account, but then you get a flat tire, or you end up getting sick and missing a week of work, or you have an unexpected bill. And, that few hundred dollars suddenly disappears. I tried to explain to him that when you’re poor, unanticipated expenses can very quickly and easily blow through what little you have in your savings account and put you back at square one.
I also tried to explain that when you are that poor, you need to make purchases while you have the money. Like, if I needed a new pair of jeans and I had an extra $30 that week, I would buy myself a new pair of jeans that week because I didn’t know when I would have an extra $20 or $30 to spend. So, he countered that with, “You don’t need to buy clothes. You could have put that $30 in your savings.”
To which I responded, “Well, if it were socially acceptable to walk around without pants on, then maybe poor people could climb out of poverty, but until then, when your jeans have holes in them, or don’t fit you anymore, you need to get some new ones.”
Then it kind of clicked for him.. a little.
So, I went on to talk about the sociological aspects of poverty, like how growing up poor, or growing up as part of a marginalized demographic pushes your starting block 100 feet behind your peers.. how our educational systems are set up to fail impoverished children. The light bulb flickered, but never fully turned on.
And, then he said, “I still can’t believe you were ever on food stamps.”
Yes, my friend, poverty and I get a nice little reunion every few years. I know it intimately, which is why you should sit back, relax, and just listen.
I never understood how it was so difficult to see the realities of poverty. To me, it is sort of common sense. And, what is irksome is that poverty doesn’t always present itself as an old beat up car, and falling apart sneakers. People who grow up middle class and financially secure seem to think that poverty looks a lot like dirty children with dirty clothes, and no shoes. But, it doesn’t. It can be that, but it’s often not.
I grew up in a nice house in the suburbs, but we were poor. We were very poor for a long time, in part due to my medical issues. People assume that because we went to Catholic school, and had a nice house that we were well-off. We weren’t. My mother worked 2-3 jobs, and my parents took out loans to pay for our school tuition. My mother’s parents helped pay for some of our education, even though they were also incredibly poor. My parents sometimes struggled to put food on the table.
I never had clothes that were dirty or falling apart, but most of my clothes and shoes were hand-me-downs from my older cousins. In fact, a lot of my toys were, too.
Both of my parents grew up in poverty. My father, especially, grew up in complete and abject poverty. Their parents grew up in poverty, and so did their parents. My parents made immense sacrifices to set us up for financial success, but life always finds a way to intervene.
Personally, my health issues have been the driving factor behind my own financial issues. I have amassed thousands of dollars in medical debt. I work a job that doesn’t use my degree at all because I can work part time and still get benefits, and because I know I won’t get fired if I need to take extended absences due to my health.
So, when you say, “I still can’t believe you were ever on food stamps,” you are really saying, “I have this picture in my head of what poverty looks like, and you don’t fit that image.”
That idea we have about what poverty is supposed to look like is a big reason why people in the middle class are so content with cutting safety net programs, even though they are one medical problem, one car accident, or one lay-off away from complete financial ruin. What does poverty look like, then. How do you “just save money”, then.
poverty in the developed world doesn’t look like a refugee child with flies on their face.
it looks like a normal person in normal clothes, in a normal apartment, with their bills spread out on the kitchen table, crying.
