Medical Insurance Denials, Medical Bill Errors & Hospital Bill Errors

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Can't Afford Medical Treatment? Find out how to get inexpensive medical treatment, hospital services & drugs

If you need to see a doctor or go to a hospital and you do not have any medical insurance, you can apply for Medicaid if you qualify.  If you do not qualify for Medicaid, your hospital ER must treat you, however, you should ask the hospital if they have a clinic.  If not, ask which hospital near you has a clinic.  Many hospitals have clinics which will charge you a substantially reduced fee schedule, adjusted for your income. Hospital clinics provide inexpensive medical treatment for people who do not have medical insurance and cannot afford to pay full price.  I have seen patients charged as little as $5.00 for surgery performed in a hospital clinic.

If you need continuing treatment over a long period of time, you probably should consider obtaining medical insurance. Medical insurance policies usually have a pre-existing condition clause of either 6 months or 12 months, which means that the policy will not cover your injuries until after either the 6 or 12 month period has elapsed.

If you have already incurred substantial medical bills which you cannot pay, you could consider requesting a bankruptcy lawyer to either call the hospital and negotiate a substantially reduced fee or to file for bankruptcy.  If you do consider bankruptcy, you may want to consider it after all medical treatment has been rendered.

Are the most expensive drugs always the best? Not necessarily. AARP has developed this online consumer guide to help you find the effective and affordable drugs. Read about comparable drugs. Compare their prices. Then consult with your medical provider to choose the right drug for you — at the right price.  Look up a specific drug or look up drugs for your health condition.

Merck has three prescription drug programs:

Merck Patient Assistance Drug Program - provides free Merck drugs when you have no prescription drug insurance coverage and cannot afford to pay for your medicine.

Merck Prescription Drug Discount Program for the Uninsured - provides up to 40% discount on drugs if you do not have insurance, regardless of your age and income. You can apply online or call 1-800-506-3725.

Merck Program for Medicare Enrollees - provides up to 30% discount on drugs.

Bumrungrad Hospital - Bumrungrad Hospital in Bangkok, Thailand has been portrayed on 60 minutes as a first class luxury hospital with the latest equipment and US trained doctors for 1/8 the cost of treatment in the US.  Bumrungrad Hospital claims to be the largest international private clinic in Asia, and the first hospital in Asia to receive the Joint Commission International Accreditation (JCIA). The JCIA is a division of the American-based Joint Commission on Accreditation of Healthcare Organizations (JCAHO), the largest accreditor of healthcare organizations in the USA.