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Managing Medical Expenses to Avoid Medical Debt

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No one can predict and know when an injury or illness will occur, therefore most people don't save for expensive medical bills. However accidents happen to everyone and with the unstable economy medical debt is on the rise. With the current conditions most Americans are just one major illness away from bankruptcy.

By being prepared for any medical emergency, people can avoid medical bill nightmares. Preparation and education can also protect credit scores and defend personal finances from bankruptcy.

Most commonly when a person takes a trip to a medical professional, that person can receive bills from many different providers, whether it's the ambulance, emergency room, or regular physician, they can all vary and add up quickly, especially depending on insurance coverage.

Some bills take patients by surprise, by not arriving in the mail until weeks and months after the initial visit. This causes people to be blindsided by the cost and unprepared to pay the amount.

Here are 3 ways to avoid medical debt:

1. Review any Explanations of Benefits from insurance company online - this help explain any expenses companies have billed and what amount the patient is responsible for

2. Keep active contact with the health provided about billing - especially if a bill from a previous visit has not arrived yet

3. Keep good records - file copies of bills, doctor's notes, phone calls, receipts, etc.

Following those steps can help prevent any delinquent payments that lead to medical debt. Staying informed and educated will help for any situation, which in the long run will help guard personal finances from any mishaps.

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: Time Magazine | Money

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