Medical Insurance, No Money?
Well this is really stressing me out I'm 21 last year I be at the hospital got sick of the apendix, and I have no medical insurance that was around October16,2006 all right now I enjoy a huge bill but I don't have no money I applied for insurance a while past I got sick but my medical coverage didn't becaome successful until January 1,2007 but I don't think its going to cover it since support then I wasn't insured are within any help programs that can give a hand me seriously? I'm very dependent of money my medical insurance is Cigna HMO, please help someone.
Answers:
If the hospital be a public hospital along with making gift arrangements also check to see if they have an indigent program. The indigent program help low income individuals or families clear their hospital bills. This is usually funded by the city and/or state government to insure that the hospital does not turn anyone away because of their inability to repay. if the hospital has this program you will hold to fill out paperwork concerning how much money you sort and the size of your household.
True, insurance won't "wager on cover" bills, any more than you can go to the track and "stern bet" on a horse that's already raced.
You're best bet is to call the hospital billing department, and work out a pay plan with them. It's adjectives, it happens adjectives the time. Then because you're young, you can clutch a second job, and I bet even if you a short time ago flip burgers on weekends, you can pay this bad inside of a year and a half.
You are correct Cigna will not wage since it happened up to that time your effective date. The solitary option at this point is to send for the hospital and the dr's that will be billing you and see if they will cut you a deal. Let them know that you dont own insurance and alot of the time they will give you a discount. They integer that some is better then none.
Write the Hospital a Hardship letter, and permit the provider know of your hardship...
Your right, if your insurance coverage be not in effect at the time you received treatment for your syndrome you are not covered. The best bet is to work out some type of payment arrangement beside the hospital or medical facility that provided the treatment. This is very adjectives; chances are you will be capable of work out an affordable payment diary until your debt is paid.
Well to be tremendously true...once u get sick and own some kind of operation done u cannot own low cost premium insurance before 5 yrs.. so you dont enjoy much choices and right now if u turn for medical insurance all the agents are going to charge u greatly high!
u can be in motion to www.medigap.com
and u can find a medial discount card,only for $2 a daylight,which is almost nuthing!
With this u can grt 60% discount in your medical bills!
Still i would request you to transport all your details to me at ag_sneha@gmail.com
I will try my best to proposition you the most lowest premium insurance according to your budget!