How to Legally Eliminate Half of Your Medical Debt

Medical bills are one of the reasons for bankruptcy. It can cripple your finances and will bring you to a point where you have no more left in your savings.  So before this happens, here are some guidelines to eliminate half (or at most full) of your medical debt.

  • Before anything else, do not ignore your medical debt. The hospital institution will aggressively go after you if you don’t pay your medical bill. So, don’t wait until you get sued.
  • Ask your doctor or your hospital financial counselor if they can give you a discount on your bills. If you have no medical insurance, ask if they can bill you at insurance company rates. These rates are usually lower than your total medical bill. Just be honest and show them that you won’t be able to pay the bill without their help.
  • Review the items on your medical bill. This way you can see and clarify those services or drugs that you think you didn’t receive. This is important as most of these items have unreasonably high charges. Additionally, get rid of the charges of routine supplies like gowns, gloves, or sheets because this is already covered in your daily room charges.

  • Ask the hospital if they have available payment plans. Most of the time, they have. Best case, if you are qualified under the low-income class (those whose income do not exceed 200% of the poverty level), you can avail a special care program or indigent program that will cover all of the cost of your total medical expenses. If your income exceeds this limit, you can apply for the reduced payment plans. Just contact the administration of your hospital to be fully informed about these programs.
  • Let professionals negotiate on your behalf. They will help you talk with the hospital administration to reduce or eliminate your total balance. This way, you can afford to pay your medical bills.
  • If the tips above didn’t help you at all or your medical insurance is not enough to cover your medical bill, declare bankruptcy. Bankruptcy is considered as an unsecured debt just like a credit card debt. This will greatly help you in eliminating your problem, however, keep in mind that filing bankruptcy will ruin your credit score. So be sure to consult a qualified lawyer to discuss this matter before you take action. They will advise you if filing bankruptcy is a feasible solution to your situation.
  • Your last resort would be getting help through crowd-funding websites. Some of these websites are,,,, and People usually turn into this kind of raising money to help them with their medical expenses. What crowd-funding do is it lets you create a web page for your fundraising drive where donors (they can be your friends, relatives, or even people you don’t know) send their help through their credit cards or online payment services.

Conclusion: There are so many options to legally reduce or eliminate your medical debt, you just have to know who to ask, how to negotiate and when to get help from a professional financial counselor. This way, you can save a lot of cash.