Kellerman Medical Debt Relief
Medical emergencies are not easy to navigate. Aside from undergoing a probably terrifying and painful procedure, you will more likely end up with massive medical debts that will leave you physically and financially weak. To avoid being overwhelmed by all the bills you have to pay, work with our Kellerman medical debt relief experts.
Optimal Debt Solutions houses a team of professionals who will assist you in clearing your debts and in recovering from your medical procedure without any financial burden. We understand that acquiring medical debts are out of your will, increasing our resolve to help you regain financial stability.
To avoid crippling your household budget completely, plan for your medical debt relief immediately. Optimal Debt Solutions has experienced, knowledgeable, and highly skilled individuals who can assess where you financially stand, discuss your options with you, and guide you through every step of the most appropriate medical debt relief process for your situation.
Whether you have outstanding debts owed to your doctor, medical care provider, or hospital, Optimal Debt Solutions guarantees that you will be able to clear it as soon as possible. You are just a call away from achieving that sweet financial freedom for you and your family.
Call Optimal Debt Solutions at (205) 784-1723 for your Free Consultation!
Medical Debt Relief Options
If you want to know your options on how to relieve yourself from your existing medical debts, we can fully guide you on the following approaches:
Medical Debt Negotiation
The hospitals and doctors you owe to would lose a significant amount of money if your debts got sent to collections. Because of this, if you directly negotiate with them, they will more likely make a deal with you.
You can establish how much you can pay every month and ask your creditor for a payment plan that matches it. If you are uninsured, you can ask your doctor or hospital for the rate they give to insured patients.
Medical Debt Consolidation
Medical debt consolidation is a debt relief option that aims to lower the interest rate of your debts. However, know that no interest is ever charged to your medical bills. This medical debt relief option will only work if you already paid your bills using a credit card. Doing this is much like consolidating your credit card debts.
Qualifying for Medicaid
If you are eligible for Medicaid, you will be provided with free or reduced-cost insurance. This will be awarded to you if your income and assets pass the imposed standards.
Although state requirements vary, earning less than $2,250 every month will generally make you eligible for Medicaid. Additionally, your total assets in the form of cash and savings should be less than $2,000 or $3,000 if you are married.
Checking for Discrepancies in Medical Invoices
Most medical bills are inflated due to errors, according to a 2013 study by Medliminal.
To reduce your debts and get total medical debt relief, you should take time to check for discrepancies in your medical billsβovercharging, double-billing, and other reporting errors.
If your debt is particularly high, getting debt relief professional services from Optimal Debt Solutions will be worth your time and money.
Asking for a Payment Plan
With all deductibles and other medical fees, you still have to pay a huge amount even if you have insurance. To make it easier for you, you can ask your creditor to divide your total bill into constant monthly payments that will last for a certain period.
Filing for Bankruptcy
The majority of bankruptcies were filed due to their grave amounts of medical debts. People opt to do this because filing for bankruptcy can easily wipe out unsecured debts, like your medical bills. However, remember that filing for bankruptcy will stain your credit score and be seen in your credit report for ten years.
Seeking Help from Different Government Programs
If your medical debts are already too much for you to pay in full, scout for government programs that you can apply for. For one, you can get financial assistance as a low-income patient from nonprofit hospitals.
Medical Debt Relief Amidst COVID-19 Pandemic
Since the coronavirus is currently affecting the whole world, the federal government has now put in some effort to protect people from overwhelming debt collections.
Some states have imposed specific measures to ease the medical debt problem of their citizens.
Although there is still no particular action from the state of Alabama, your health insurance plans could still benefit from the waived cost-sharing component for COVID-19-related medical services.
To fully understand what you can do for medical debt relief amidst the pandemic, contact Optimal Debt Solutions for a free consultation.
Trusted Kellerman Medical Debt Relief Experts
Optimal Debt Solutions knows that all your medical debts piled up not because you want them to, but because of unexpected health emergencies.
We know not a single person who would like to spend their fortune on medical bills and undergo costly and complicated procedures. That is why we make it our mission to help our clients acquire medical debt relief as efficiently as possible.
Our team of Kellerman, AL debt relief experts is always ready to offer their professional services and help you clear your medical debts. Once you choose to work with us, we’ll immediately assess your situation, discuss your debt relief options, and personally guide you in every step of your journey to regaining your financial footing.
Aside from quality services that satisfied all the previous clients that we have helped, we also take pride in keeping our fees minimal, to not add to your financial worries.
Optimal Debt Solutions requires no upfront fees nor any add-on fees. You donβt have to worry about paying for any counseling fee, signing fee, administrative fee, or any other service fees that other similar companies may demand from you. We only ask for a settlement fee right after we did our job.
Rest assured that with us, your account will be handled by seasoned professionals whose skills and knowledge ensure that all your medical debts will be properly taken care of. We will lead you in an Kellerman medical debt relief process that guarantees favorable results for your situation from start to finish.
Donβt let your medical debts continue to cast a cloud of worry above your head. Our debt relief experts are just one phone call away from helping you.
Medical Debt Relief Free Consultation
We value your well-being as much as you value yours. That is why, after overcoming specific medical emergencies, the last thing we want is for you to drown in the depths of your medical bills. Let us help you out today.
Call Optimal Debt Solutions at (205) 784-1723 for your Free Consultation!