How To Pay For High Emergency Doctor Bills

Emergency doctor bills can shock you, especially when you find out that you or a loved one need urgent treatment sooner rather than later. Here’s how you can pay for emergency doctor bills and why you might want to consider a title loan online.

If you don’t foresee being able to pay your medical bills, you can consider asking the hospital for a discount, setting up a payment plan, seeking financial assistance, or taking out a title loan.

Medical debt is a major stressor for many people, but you do have options that can help keep you on the right financial path. In this article, you’ll discover your options for handling emergency doctor bills.

How To Prepare For Medical Bills

Whether you’re expecting a massive bill from your doctor after treatment or are anticipating an expensive visit the next time you go, costly medical treatments and procedures can really take a big chunk out of your savings account. As such, being prepared is important.

Ask Beforehand

It’s always important to ask your doctor beforehand what they anticipate the cost of treatment to be. Doctors don’t usually have insight into the billing process, but they can often give you an estimate of what you can expect to pay.

Ensure The Charges Are Accurate

Make sure your charges are accurate for services and contact the billing department if anything seems unfamiliar or out of place to request an adjustment. Additionally, it’s worth clarifying with your insurance company if you have insurance whether they are able to cover the cost of the medical bill.

Talk To Billing About Your Options

If you speak to the billing department, they will be able to give you an idea of what the clinic offers regarding the following options:

• Discounts
• Payment plans
• Financial assistance

How To Cover Medical Expenses

Treatment Discounts

After confirming what you owe, you can consider asking the hospital for a discount. Many hospitals provide additional considerations and discounts for low-income individuals or offer adjusted or extended payment plans.

If you haven’t had the treatment or services yet, it’s worth discussing financial concerns with your doctor to see if applicable discounts can be provided or if the treatment plan can be adjusted to accommodate your budget.

Payment Plans

Even if you aren’t able to secure a discount, most medical providers offer payment plans that can help you break up the cost of medical expenditures into more manageable chunks.

Doing so allows you more financial control to avoid being overwhelmed; some providers will also issue a discount if you pay 10-30% down on your payment.

Of course, payment plans might not be right for you if you don’t foresee yourself having the resources to follow through on the plan.

Financial Assistance

Contact the billing department to ask about financial assistance programs. If you qualify, nonprofit institutions may step in to help you with your needs.

Some medical providers don’t offer this service, but they may still be able to refer you to community resources that can grant some or all of your medical bills if you meet the income criteria.

Title Loans

Another resource you can consider if you can’t handle your bill is a title loan online. Emergency doctor bills can be extremely taxing on your well-being, which is why you might want to consider this alternative financial resource. A title loan online is a cash-flow solution that lets you borrow money by putting your car title up as collateral.

If you’re the outright owner of your vehicle, then a title loan may be one way you can cover emergency doctor bills.

How To Apply For A Title Loan

If a title loan sounds right for you, then At Home Title Loans can help you get connected with the right vendor. Fill out the form online, and At Home Title Loans will connect you with a knowledgeable specialist who can help you understand and proceed with getting fast cash in an emergency.

The online form will be followed up with a quick phone call from a loan associate to determine what you qualify for and what your monthly payment will be, then you can set up an appointment at a location you choose to inspect your car.

When you go to the meeting, make sure you bring these items:

• Driver’s license or state-issued ID
• Lien-free car title
• Your car itself for inspection

At the meeting, the representative will deliver your loan packet, verify your VIN and documents, and have you close out some forms.

If you are approved for the title loan, the money will be sent straight to your bank account the same day or the following business day. Most lenders offer up to $15,000, depending on the condition of your documents and vehicle.

Submit Your Online Inquiry Today!

Emergency doctor bills can leave you without clear financial resources to handle them, which is when online title loans might be an option for you. At Home Title Loans takes the work out of finding a lender with their network of reputable, trusted lenders.

If you need a cash flow solution to help out with medical debt, then consider submitting your online inquiry form today!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.