However, just because this financial relief is available, doesn’t mean you shouldn’t try to save on your medical expenses. You have numerous options at your fingertips to cover your medical bills, especially if you are uninsured. Here are some facts to consider. Using a payday loan advance near you to cover a medical bill you can’t afford is a legitimate option. Some doctors may seem god-like, but unfortunately people in their billing department are only human. It’s actually not uncommon for many medical bills to have procedures and treatments on them that you didn’t receive, the website says. This is why it’s important to keep any documents you get during your trips to the doctor. If you locate any errant costs, inform the billing department immediately so you can get a better idea of how much you really owe.
Space Out Your Trips to The Doctor
If you have insurance, but they will only pay so much every year for trips to the doctor, make sure to have a strategy for when you go. Meanwhile, if you find out you need any work done, there are further loopholes you may be able to find.
For example, if you need your wisdom teeth taken out, but your dental insurance won’t cover the whole operation, consider getting the procedure done in two parts. Get two teeth pulled now and two during the next fiscal year, and your coverage might be enough to pay for both procedures.
See If They Offer Charity Care
If you make less than the federal poverty standard, you may be able to qualify for charity medical care. The federal poverty line is $11,000 for an individual and $22,350 for a family of four. In fact, it’s not uncommon for people making less than half of this to have their entire medical bills expunged. Since these discounts are not often advertised, it can’t hurt to ask.
Inquire About a Cash Discount
Paying in cash, which would be the case if you use a payday loan advance, may get you a discount. According to MSN Money, if you can pay the entirety of a medical bill on the spot, many healthcare providers offer a significant discount. Some consumers even reported price cuts of more than 50 percent.