How to Avoid Medical Debt

medical debt

Medical debt affects so many people. Often it is not a result of someone’s doing but the circumstances they find themselves in. Getting out of medical debt can be almost impossible, especially if the debt is huge. The best way to ensure that you do not get into this situation in the first place is to find ways to avoid medical debt altogether. Below are a few ways on how to do that.

Always Read the Fine Print

A lot of people do not read the fine print and instead assume their insurance will cover whatever treatments or medications they need. This is not true, and every insurance provider has a list of illnesses and conditions they cover. When signing up for insurance, go through the terms very carefully to ensure that you know exactly what you will be getting. This way, you will not be surprised if you expect your insurance to pay for something and then they do not.

Go Through All Bills Thoroughly

Going through your bills is never easy, but it is necessary. Before paying the bill, ask the hospital to send you a list of all their medical codes so you can check against the bill to see if you will be paying for just what you received. If you do not, you could end up with an inflated bill and a debt that will follow you for the rest of your life. All it takes is a typing error or even someone at the hospital looking to make a little more money off you.

Find Alternative Ways to Get Medication

Going through your insurance provider for drugs can mean that you will still pay if you need specialized drugs and you go above your insurance limit. Also, some hospitals will inflate their prices when you have a prescription and you might have to pay for that too. This is why it is a good idea to find alternative ways of getting the medicines you need. Platforms such as Chemist Direct stock a large variety of medicines for most ailments. Their website at can also put you in touch with pharmacists that are standing by if you need a consultation. 

Appeal All Rejected Claims

Insurance companies reject claims all the time, but that does not mean that you give up. If you do, you might have to pay for the treatment and medicines you need out of pocket. If a claim is rejected, find out what the appeal process is and follow it to its conclusion. Some medical providers will talk to the insurance company on your behalf if they truly feel that you cannot live without the treatment. Sometimes insurance companies refuse to pay for procedures that they do not deem necessary. In this case, you could talk to your doctor so they can say that it was.


There is always a difference between what a healthcare provider bills an insurance provider and what they bill you if you pay out of pocket. If you have a procedure or treatment that you will be paying for yourself, you could negotiate a lower cost.

Medical debt can destroy people’s lives. This is why it is so important to find a way to either avoid it or reduce it. If you cannot avoid it, negotiate a payment plan with the hospital or insurance provider and you will be fine.


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