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  • Being sued for unpaid medical bill

    Hi,

    My mother found out that she had end stage renal disease in the summer of 2014, has not worked since then. Her last job was physically demanding and she felt she could not go back to work as she would always feel weak after dialysis. December of 2015 she had gone to the Emergency room because water was filling up her lungs, she was not getting enough fluids removed from her body from dialysis. She incurred a physician's medical bill at which she could not pay. My mother was on cobra at this time. The bill has since then been sent into collections and now she's being sued by the collections agency. I've contacted the law offices for the plaintiff and they said that they're treating this as a normal case and could not work out a payment plan with my mother until after the judgment in court (two weeks away). My mother lives on social security disability benefits alone. I've searched for all avenues to help her out, haven't found one foundation to help with financial assistance. Has anyone been through this? Where can I turn to for help?

  • #2
    Originally posted by CVang2016 View Post
    Hi,

    My mother found out that she had end stage renal disease in the summer of 2014, has not worked since then. Her last job was physically demanding and she felt she could not go back to work as she would always feel weak after dialysis. December of 2015 she had gone to the Emergency room because water was filling up her lungs, she was not getting enough fluids removed from her body from dialysis. She incurred a physician's medical bill at which she could not pay. My mother was on cobra at this time. The bill has since then been sent into collections and now she's being sued by the collections agency. I've contacted the law offices for the plaintiff and they said that they're treating this as a normal case and could not work out a payment plan with my mother until after the judgment in court (two weeks away). My mother lives on social security disability benefits alone. I've searched for all avenues to help her out, haven't found one foundation to help with financial assistance. Has anyone been through this? Where can I turn to for help?
    I'm so very sorry to hear this. My first thought, and I'm sure this was done, but was the Cobra Insurance billed for the services? What is the deductible? What is the out of pocket maximum? Your mother should only be responsible for the out of pocket maximum and this can be paid over time with a payment plan.

    GoFundMe is always an alternative where you can post this story and allow others to help your mother pay these medical bills. I've helped many people this way.

    Hope this information helps. It will be a long road when it comes to medical bills and lots of phone calls with the collection agency as well as the Cobra insurance company, but there is a way.

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    • #3
      Originally posted by thobson View Post

      ........

      GoFundMe is always an alternative where you can post this story and allow others to help your mother pay these medical bills. I've helped many people this way.

      ....
      Am I the only person who feels this would be humiliating? Having to tell your 'sob story' in hopes that somebody will throw a buck or 2 your way? Why not just stand at an intersection with a sign? Or panhandle? Maybe busk?

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      • #4
        Your mother should discuss this with an attorney because she needs to know her rights in your state. Contact the Legal aid or AARP for help. As her only income is SSDI she is judgement proof in most states but does have to go to court to protect her rights. The way the tax laws are written, the only way for a bill collector to write off a debt is with a court judgement and that goes both ways. Bring all the information with you to the attorney and to court, There is a two year time limit on most insurances to file a claim. I have found that most emergency room visits cause me to get bills from multiple providers and not all providers get my insurance information.

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        • #5
          Originally posted by CVang2016 View Post
          Hi,

          My mother found out that she had end stage renal disease in the summer of 2014, has not worked since then. Her last job was physically demanding and she felt she could not go back to work as she would always feel weak after dialysis. December of 2015 she had gone to the Emergency room because water was filling up her lungs, she was not getting enough fluids removed from her body from dialysis. She incurred a physician's medical bill at which she could not pay. My mother was on cobra at this time. The bill has since then been sent into collections and now she's being sued by the collections agency. I've contacted the law offices for the plaintiff and they said that they're treating this as a normal case and could not work out a payment plan with my mother until after the judgment in court (two weeks away). My mother lives on social security disability benefits alone. I've searched for all avenues to help her out, haven't found one foundation to help with financial assistance. Has anyone been through this? Where can I turn to for help?
          Hello, I guessing that if your mother has renal failure, she is at an age where she is past 62 years of age. If she is, " and " owns a house that has equity in it, she can do a reverse mortgage and use the lump sum she gets to help out in finances. In a reverse mortgage she can continue to live in her house until she passes, and she continues to own it. I would do a FHA HECM.
          P.S. If you get enough money from a reverse mortgage, say 50,000.00 what I would do is pay off your medical bills and use at least twenty to thirty thousand to put a down payment on a rental house so you can have some supplementary income and possibly start a business buying houses by using the built up equity in your rental to purchase more rentals.
          Hope this helps!
          Last edited by FernandoMacias; 11-27-2016, 02:54 AM.

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          • #6
            Have you tried the national Kidney foundation? https://www.kidney.org/transplantati...ask-for-kidney They have many different programs including paying insurance premiums. They may be able to help you find the answer if not assist with payment.

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            • #7
              I am so sorry to hear that. I hope that now she is ok.

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              • #8
                Doesn't your mom have Medicare?

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                • #9
                  I am going thru something similar. My mom has medical bills that have been piling up since her Lung Cancer 18months ago. She applied for financial help thru the state (ie 'Medicaid" but she made 7 dollars too much a month to be considered low income enough to be eligible) I have called each place where she has an outstanding balance due and told them of the situation and asked each one if they had any "financial hardship" or "financial assistance" or "charity" or "sliding scale" applications. Many do. If not, they do have payment plans. My mom has a payment of 20 dollars a month for one particular debtor. I also get the question "Doesn't your mom have medicare?" I always laugh at that say the same thing. "She does have Medicare, but 20 percent of every bill for 18 months of lung cancer, surgery, heart specialists, kidney specialists,(and other specialists for numerous other health problems) medications, labs, radiology...etc... etc....adds up to several thousand dollars! 20 percent of all that is drowns her!...... Thankfully, most people have been very kind and helpful. My next and last resort is to request help in one form or another from the church. If you are not a member of a church I do know that the Catholic church ,especially, is good about helping people even if you aren't a member. They can help with, at the very least, groceries/gas and daily living items which frees up some money to make payments. I feel very sad that we live in a nation where on top of everything my mom is going thru health wise, and how hard she had worked her whole life, that she has to worry about bills on top of what she is already going thru! I often pray for all those out there like her....and am afraid for my own future and my children's and grandchildren's. In the medical/insurance field in particular I have no doubt there are the few are getting very very VERY rich. Many blessings to you, and to everyone out there struggling like this<3
                  Last edited by tdwillis; 09-04-2017, 03:56 PM.

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                  • #10
                    That last post just highlights the need for a Medigap policy.

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