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Medical Debt Archives

3 important facts about medical debt

Whether a person makes a trip to the emergency room for a couple of stitches or must check into an Oregon hospital to undergo a serious medical procedure, the resulting bills may be devastating. Everyday Health points out that knowing how to handle medical debt could make a major difference in finances.

When you have medical and credit card debt

If you dread checking the mail each day because of the number of medical and credit card bills piling up in your Oregon home, you may simply need a strategy for dealing with them. Of course, ideally, you would simply write a check for at least the minimum payment to each. But, what if you only have enough income for one or two after taking care of your living expenses? We at The Law Office of Kim Covington often advise our clients on the best way to handle this type of overwhelming debt.

When your health insurance doesn’t cover your medical bills

It may seem unfair that you can purchase health care insurance in Oregon and still end up with more medical bills than anyone could reasonably be expected to pay. If your disposable income does not begin to cover the debt you acquired through copays and deductibles, you may be worried about the effects on your quality of life. At the Law Office of Kim Covington, our team works with many people who want to restore their financial equilibrium.

CFPB complaints indicate Oregon medical debt harassment

Medical debt is a common problem for people in Oregon, and you may be one of many that has to budget a chunk of your income toward a monthly payment for services over and above what you pay for health insurance coverage. Even if you are working to pay off a bill, you could be the subject of illegal creditor harassment. We at The Law Office of Kim Covington often provide advice and support for those who are struggling with the financial aftereffects of seeking medical attention.

Don’t overpay on your medical expenses

Whether you have health insurance or not, you can easily end up with a hefty bill after you receive emergency care, have routine tests run or undergo a procedure in Oregon. If your first reaction to seeing the total is disbelief, this is a good sign that you should investigate further. Our team at The Law Office of Kim Covington is aware of the many ways that health care expenses may be inaccurate, and how people can seek to reduce or eliminate medical debt that they cannot afford.

Fair collection practices must be upheld with medical debt

As patients in Oregon and elsewhere are aware, medical expenses can be staggering, even for those who have health insurance. All it would take is for one accident or serious illness to put a person in significant debt. Many of today’s insurance options cover only a portion of medical expenses, forcing patients to pay hundreds or thousands of dollars out of pocket for copays, deductibles, medication and treatment not covered by their plan.

People struggling with medical debt while hospital execs prosper

In previous posts, the issue of medical debt was described as being one of the most serious and pervasive forms of debt plaguing Americans today. The problem continues for residents of Eugene and elsewhere. Even those with medical insurance may suffer from staggering debt. Some say that there is an unjust discrepancy between the salaries that hospital executives earn, while average citizens are burdened with medical bills they cannot afford.

What factors contribute to the problem of medical debt?

In 2014, a survey conducted by the Commonwealth Fund found that approximately 64 million people across the U.S. were grappling with medical debt, according to a USA Today report. Like others in Oregon, you may think mounting health care bills are a problem that are only experienced by those without health insurance. However, that is not necessarily the case. In fact, there are a number of factors that may contribute to the buildup of medical debt, whether you are insured or not.

How can I dispute a medical debt?

If you have a medical debt that you believe may not be accurate, you have the right to dispute the claim. The easiest time for you to resolve the issue is when you first receive a bill from the medical provider. However, you may still be able to correct the problem even if the debt has gone to collections.

Legislators calling for change to medical debt laws

Medical debt is one of the largest financial issues that Oregon residents face. According the U.S. Centers for Disease Control and Prevention, one quarter of families are burdened by their medical debts. Additionally, 16 percent of families have difficulty paying at least one medical bill and another 10 percent are unable to pay their medical bills at all. These types of debts can have long-term consequences for the financial health of those who are unable to pay them, causing many people years of stress and negative marks on their credit scores. When a person’s credit score is marked down due to unpaid medical bills, it can have further implications for finding and keeping a job, getting approved for housing or getting the resources to pay for transportation.

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The Law Office of Kim Covington

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1445 Willamette Street, Suite 9
Eugene, OR 97401

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1135 Dale Street SE, Suite #B
Albany, OR 97321

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1701 West Harvard, Suite 201
Roseburg, OR 97470

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Phone: 541-393-2790
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