posted on Jul, 16 2014 @ 07:40 PM
a reply to: CleanCare
It's downright wrong and unacceptable that this kind of thing happens, to hundreds of thousands of people in the US. Some of the stories are
heartbreaking, particularly the 27 year old that died because his "coverage lifetime" had run out.
I found this thread doing a search. I have a young (24 years old) coworker that is currently paying huge medical bills from some ER visits and such
during the time she worked a job that had no health insurance coverage. She has a condition similar to IBS or Crohn's, and has also had kidney
stones. So she did the right thing - worked with the hospital to write out a payment plan to make monthly payments to pay the bills back. The hospital
said okay, and she started making weekly payments of $80. A couple of months later, she started getting letters and calls from collection agencies.
She was aghast, as she thought by making good faith payments that it wouldn't go to a collection agency. At least that used to be how it was. I
don't know about other states, but the state I live in changed that recently. It doesn't matter now whether you've made payment arrangements and
are making good faith payments. After 90 days, your bills automatically go to collection agencies regardless. The collection agencies demanded
outrageous sums of money and wanted it all up front. My coworker never would have had to arrange payments with the hospital if she had all the money.
The bills ran over $10,000. Not only that, but every month in which there is still money owed, your credit rating takes a hit - every month! She's
still paying this back, almost done now, with a light at the end of the tunnel. But she's probably going to have a tough road trying to buy a house.
She has no other debt whatsoever, no credit card debt, no car payments, just the medical bills, but her credit rating is probably in the toilet.
She's only 24, and has to face this. I think it's just awful to have to start out your life with that hanging over your head. There are many like
her, young and older, struggling with bankruptcy, dealing with collection agencies and the like.