Receiving that first phone call or message from a collection agency can send your mind into a tailspin and make you feel like you're drowning. Living on a budget, managing bill payments, trying to stay afloat and all while working to do so is a struggle that most of...
Medical Debt
Across the country, medical costs are on the rise
The cost of medical services is a source of concern for many Tennessee residents. High insurance premiums, large out-of-pocket expenses and unexpected bills all put a strain on people’s wallets. Therefore, it may be distressing to hear that the costs of medical care...
Is it a good idea to pay medical debt with a credit card?
In most situations, it is probably not in your best interest to put any charges for medical care on your credit card. The only exception would be if it is a small amount or it is for something routine like a copay and you know you will be able to pay it off right...
How billing errors increase medical debt
When many Tennessee patients receive a bill from their doctor, they likely pay it without examining it too closely. If the funds are not immediately available, the bill may end up going on a credit card and driving a patient into debt. However, NBC News reports that...
Air ambulance rides can leave patients with severe medical debt
When a serious accident occurs, it is sometimes necessary for a patient to be air lifted in order to get the treatment they need as soon as possible. While this rapid transport may save the patient's life, it may also leave them with a hefty bill.According to ABC...
How the Affordable Care Act has increased medical debt
One of the main purposes of the Affordable Care Act (ACA) was to ensure that every person has access to health insurance. That goal has largely been accomplished as millions of previously uninsured Americans are now covered by some kind of health insurance policy....
Proposed legislation would change how medical debt affects credit
For the over 43 million people who have medical debt on their credit reports, a new proposal could bring them some assistance. Credit.com reports that five Democratic Senators have introduced a new piece of federal legislation that would offer Tennesseans some credit...
How balance billing drives patients into debt
Receiving a medical bill when uninsured is never fun, but at least it is expected. Receiving a bill when covered, however can be a huge surprise, especially if it is for an amount that is unaffordable. Unfortunately, this happens more often than people imagine and...
How a parent’s medical debt can affect their children
Adult children with ailing or recently deceased parents may wonder if they can be held liable for any of their parents' unpaid medical bills. More than half of the states have laws in place regarding this issue known as filial responsibility laws. According to...
Can I negotiate with the doctor on my medical bill?
You try to be conscientious when it comes to your spending habits, but now you are facing an unexpected medical bill. Before you begin to panic, you should know that it may be possible for you to negotiate with your doctor on that balance owed.According to Kaiser...
I know you are working diligently for me and my family. It means EVERYTHING to us, and you have been so gracious in your efforts.
Thank you for that, as well as your entire staff. Remarkable.
-Kevin M.
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