When your child got sick, you made sure they got the medical care that they needed. You knew that the costs would be high, but you never expected how high. Many of the providers who worked on their care and treatment plans weren’t included in your in-network insurance coverage. Your insurer barely covered some of the treatments, claiming that they were optional or unnecessary.

After all was said and done, you sat down to thousands of dollars in medical debt. You know that you can’t afford to pay those back at the same time as continuing to provide the medications and care your child needs. Should you seek bankruptcy to wipe out those debts? What options do you have?

When your child’s illness results in high medical debts, it’s time to look into methods to reduce those fees

The first thing to do is to get in touch with the billing department at the hospital. You may have the opportunity to apply for aid through charities or government programs that help families in situations like yours.

After you do this, contact your insurance company. If you discuss some of the situation with the agent, you may find that there are documents you can submit to get treatments approved for payment that weren’t in the past.

Finally, once you know the total that remains, talk to your attorney if it’s still too much to handle. A bankruptcy may help you get your finances back on track and help you reduce or eliminate unpaid medical bills that you won’t be able to afford. This isn’t an unusual situation to be in, so don’t be afraid to ask for help.