Medical Bills

28 Jan Bankrupt or Low Income? NC Residents Can Get Help With Prescription Drugs.

Many of my bankruptcy clients are unable to afford their medications. In a press announcement today I learned that North Carolinians who are unable to afford their prescription medicines can now get them for free. Attorney General Roy Cooper, the North Carolina Association of Free...

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10 Nov How Much Did The Health Care Debate Cost This Week?

The headlines yesterday all carried the same story. The Health Care Bill passed by the House of Representatives died. Life support cannot save this Bill. So, why did our elected officials go through the motions knowing that the Bill did not have a chance of passing in the Senate? Do you think they already knew the Bill would not pass in the Senate? Sure they did. However, it is the way Washington works. The Democrats were allowed to flex their muscles for a while. I don't really care about who appears macho this week. I care about the cost of appearing macho.
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26 Oct Help!! I Got Sued For My Spouse's Medical Debt! Can They Do That?

Oftentimes, I have folks coming in my office after having been sued for an overdue medical bill, either their own or one that belongs to their spouse.    The medical provider or debt collector sues the other spouse under the legal theory called "necessaries" -- an hold-over from the days when women didn't work.   Husbands were ordered to pay their wives' bills when the bills were for family, household, or medical expenses (as the wife didn't have any money of her own.....).   Since the implementation of the Equal Credit Opportunity Act, there should be no need for such a doctrine to still be in place.   What should  you do if you have been sued?
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15 Feb Hospital Patients Should Be On Alert for "Balance Billing"

A close relative in my family completed a week-long hospital stay in November, 2008.  It is now mid-February, and just about every day, a bill arrives from the hospital, a doctor's group associated with the hospital, or a vendor that provided some product or service.  In addition, both Medicare and the private health insurance company are sending out a blizzard of paperwork, most of it indecipherable and internally contradictory. Basically it is pretty much impossible to know what your insurance carrier is obligated to pay, how Medicare (if applicable) applies and whether the hospital and/or associated providers has the right to bill you. Now, there is another potential issue that could muddy the waters even further.  Many hospitals engage in what is known as "balance billing."    This happens when
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