Financial Assistance Programs Before & After Medical Surgery

If you take the time to put in due diligence, you will be able to find many financial assistance programs available to you after getting surgery for many medical issues. The timing and the reason for your surgery will often dictate where you should look for these programs in which to apply for. Many of these programs can help with the costly bills you will accrue from paying for the doctor's visits and the operating costs from the hospital.

 

It can be very difficult without the help of these types of programs to find ways to afford the cost of medical procedures. The same can be true for those with and without insurance coverage. Some of the following strategies for coming up with financial assistance can be used by anyone. Not everyone will have the luxury of unlimited time in order to come up with the funds they need to get their surgeries. After choosing the program you want to use, you will be able to schedule your operations and pick the best tax strategy as well.

 

Financial Assistance Help After Having An Emergency Medical Surgery

 

It can be very stressful to need an emergency medical surgery without having time to prepare how you will pay for it. There are many financial assistance programs created for this type of issue. Finding these programs is necessary to give you the ability to recover better without having unnecessary stress related to the bills and costs. No one wants to have to endure a huge surgery and then deal with the big debt it created afterwards.

 

Without Insurance

 

It can be hard to find aid for your bills after a medical emergency surgery when you do not have any insurance to fall back on. Typically, patients who are uninsured will be fully responsible for any bills they receive. Many patients will also have to be out of work temporarily after their procedures as well. This can lead to the ability of getting help with temporary disability, charity care, collecting unemployment and getting help via numerous settlement programs.

 

Settlement Programs

 

These programs are for those that will not be able to pay back the money they owe for their procedures and surgeries. If you own more than $10,000 in unsecured debts, you can get help with settlement programs. To be eligible, you will have to prove financial hardship.

 

Medical Loans

 

Another option for paying off the medical bills you have is to get a medical loan. These unsecured loans can offer you the funds you need to pay off unpaid medical bills you owe. This is a step you should take when you want to avoid having any medical collection accounts on your credit report.

 

Temporary Disability

 

This option is only currently available in five different states. If you work out of one of these states and need help, you will be happy you live where you do. This program is government-based and can help you to replace a portion of your income while you are working to recover from your surgeries and procedures. The states where this is available include New York, Rhode Island, Hawaii, California and New Jersey.

 

Unemployment Benefits

 

The ability to collect unemployment after going through a surgery is often difficult. However, some patients may be eligible to get unemployment in this situation if they were able to recover and had worked in one of the six states which define that there was a good reason you had to quit due to serious medical issues. The states which this is an option include Illinois, Arkansas, Texas, Minnesota and Washington.

 

Charity Care

 

This is another type of monetary care for people who have been through a surgery without insurance. By law, no medical center or hospital is able to deny coverage to any patient needing an emergency operation who doesn't have insurance. There are many healthcare systems which will offer uninsured patients an income-based repayment plan to help pay for the costs of their services.

 

With Insurance

 

If you have insurance, there are many other options available to you. If you need help finding financial assistance for elective surgeries, there is a completely different set of tactics for doing so. Elective surgeries are non-emergency ones which can be planned out and scheduled at appropriate times that are best for both the doctors and patients. For these procedures, you can usually use your insurance policy to pay for it or you may take out a small personal loan to help cover the costs.