Medical care is expensive, even for people who have health insurance. When a Tennessee resident goes in for surgery, needs diagnostic testing or has to visit the emergency room, he or she may find bills from the hospital or doctor in the mailbox a few weeks later. These bills can come as a surprise, leaving many people struggling with medical debt they cannot pay. As a result, some hospitals are actually suing these people for payment.
Bills related to medical care and emergency needs are a significant financial burden for many in Tennessee and across the country. Even people with steady jobs, reasonable income and health insurance find themselves facing insurmountable medical debt after a procedure or just one visit to the emergency room. One problem is that many people don't know the cost beforehand of the type of care they are receiving.
When a Tennessee resident has medical insurance, he or she may not expect to have to pay much out of pocket when visiting a doctor, going to the emergency room or scheduling a necessary procedure. Unfortunately, many actually find themselves facing unexpected medical debt, even when they go to an in-network provider or hospital. It's an unpleasant surprise to learn that certain services are not covered and no one told them about it.
When a person goes through a serious medical problem, serious medical bills often follow. Even with insurance, a trip to the emergency room, prolonged illness or surgery can ultimately result in medical debt that a person may not be able to manage. There are several things a person can do in this situation, and it may be possible to find relief from debt collectors or work with creditors.
A medical emergency can upend a person's financial stability in a matter of a few days or weeks. One unexpected hospital stay or accident can lead to medical bills that can quickly outpace a Tennessee consumer's ability to keep up, resulting in overwhelming amounts of medical debt. This type of debt is one of the leading sources of financial hardship and bankruptcy filings across the country.
Medical care is expensive, even for Tennessee readers who have health insurance. Some things are not covered, and people may still have to pay if they see a practitioner who is not in their network. Understanding what is covered is a complex, confusing process, and many patients often find themselves with surprise medical bills because of it. Medical debt is a serious problem for many thousands of Americans.
Health care is expensive, even for individuals with insurance. For some in Tennessee, just one unexpected medical event can lead to a barrage of bills that a person can never hope pay. Many Americans struggle with medical debt, and it is one of the leading causes of financial stress. The Consumer Financial Protections Bureau estimates that approximately 72 million people have medical debt.
The future is unpredictable, and medical emergencies can strike at any time. For many in Tennessee, unexpected injuries and serious illnesses can lead to significant medical debt, and they may not be able to keep up with the payments. Studies find that medical debt can be a problem for people who have insurance coverage and those who do not.
Tennessee residents are struggling with medical bills and insurance coverage in the same manner as their counterparts throughout the country. A shocking and demoralizing aspect of medical debt these days is that even if a person or family has medical insurance, he or she is likely to be burdened with surprise bills that are not covered by insurance. Many surgeons, for example, practice independently and don't recognize or participate in various major insurance plans.
Medical care is expensive, and many in Tennessee lack the savings and financial resources to deal with an emergency. Just one illness or injury can cause a person to spend his or her life savings to keep up with the bills that quickly accumulate after a hospital stay or visit to the emergency room. Even when people have insurance and steady income, medical debt is a reason why many have to file for bankruptcy protection.