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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.

According to, you need to take action quickly. Waiting until after your medical bills are past due may put you at a disadvantage. If you have enough breathing room in your budget for a small payment each month, and you do not owe multiple entities, you may be able to set up payments and keep your debt from going to collections. However, some health care facilities limit the amount of time you have to pay the balance in full.

There are probably a number of people who provided services to you. Identify each one and write a letter explaining your circumstances. Whenever possible, direct the letter to the provider rather than a department within the organization or practice. After explaining why you are struggling to pay the debt, list the amounts the insurance has already paid, and include itemized statements to verify these. Often, a provider will go ahead and waive the remaining balance due to hardship. If this is not successful, you may have to search for other options. More information about debt relief from health care bills is available on our web page.

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1445 Willamette Street, Suite 9
Eugene, OR 97401

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