{"id":4197,"date":"2023-08-08T21:56:07","date_gmt":"2023-08-08T21:56:07","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=4197"},"modified":"2023-08-08T22:00:39","modified_gmt":"2023-08-08T22:00:39","slug":"how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/","title":{"rendered":"How to Navigate Your Finances and Health with Medical Debt Weighing You Down"},"content":{"rendered":"\n<p>Establishing and building savings is vital to sound<a href=\"https:\/\/www.beyondfinance.com\/blog\/financial-wellness-myth-busting-in-2023\/\"> financial wellness<\/a>, but talking about budgeting for medical debt and emergencies must be part of the process. Unfortunately, there can be little time to save for health procedures or tests when your quality of life is on the line.&nbsp;<\/p>\n\n\n\n<p>According to <a href=\"https:\/\/www.foxbusiness.com\/personal-finance\/medical-debt-delay-care-avoid-it\">Fox Business<\/a>,<strong> 43%<\/strong> of Americans said they couldn&#8217;t comfortably cover medical costs exceeding <strong>$249<\/strong>, while <strong>54%<\/strong> would delay payment on a medical bill.<\/p>\n\n\n\n<p>How do you lessen the burden of debt related to medical issues? A huge part of tackling debt is understanding your rights or how to advocate for yourself.<\/p>\n\n\n\n<p><a href=\"https:\/\/beyondfinance.com\/program\">Beyond Finance<\/a> understands medical debt can be unavoidable. We want to offer a few actions you can take afterward to help simplify how to manage your medical bills.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">No Surprises&nbsp;<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/No-Surprises-1024x683.jpg\" alt=\"The No Surprises Act can help with your medical debt if you qualify. Make sure you understand what is in and out of network for you.\" class=\"wp-image-4198\" width=\"350\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/No-Surprises-1024x683.jpg 1024w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/No-Surprises-300x200.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/No-Surprises-768x512.jpg 768w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/No-Surprises.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Often in the middle of a medical emergency, the costs are not the top priority. Y<strong>ou just want to get better.<\/strong> Billing for hospital stays or procedures can be complicated because of what your health insurance plan covers in or out of network. It can be even more challenging to understand what all the procedures on your bill mean.<\/p>\n\n\n\n<p>To help combat this, Congress passed the <strong>No Surprises Act<\/strong>, which can be beneficial if one or more of these things apply to you, according to the <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-surprise-medical-bill-and-what-should-i-know-about-the-no-surprises-act-en-2123\/\">Consumer Financial Protection Bureau<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Surprise bills for emergency services from an out-of-network provider or facility without prior authorization<\/li>\n\n\n\n<li>Out-of-network cost-sharing, like coinsurance or copayments for all emergency and some non-emergency services<\/li>\n\n\n\n<li>Out-of-network charges and balance bills for supplemental care, like radiology or anesthesiology, by out-of-network providers that work at an in-network facility<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Know Your Rights<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/know-your-rights-1024x683.jpg\" alt=\"Medical debt can hard to understand. Make sure you are aware of all your rights and options for payment.\" class=\"wp-image-4199\" width=\"350\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/know-your-rights-1024x683.jpg 1024w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/know-your-rights-300x200.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/know-your-rights-768x512.jpg 768w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/know-your-rights.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Falling behind on medical bills or failing to establish a payment plan can negatively affect your credit. <a href=\"https:\/\/www.bankrate.com\/personal-finance\/debt\/medical-debt-and-credit-reports\/\">Bankrate<\/a> reports two significant changes have gone into effect to ensure a more fair outcome for those in need:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The major credit reporting agencies have initiated a change so medical bills less than $500 will not appear on your credit report after going to collections.<\/li>\n\n\n\n<li>Due to changes made last year, paid-off medical debt no longer appears on credit reports, while medical debt of more than $500 doesn&#8217;t show up until a year after going to collections.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Ask Questions<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-973780400-Blog-1024x683.jpg\" alt=\"Make sure your medical bills are up to date and accurate before making payments.\" class=\"wp-image-4200\" width=\"350\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-973780400-Blog-1024x683.jpg 1024w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-973780400-Blog-300x200.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-973780400-Blog-768x512.jpg 768w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-973780400-Blog.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>You can always call and have your bill thoroughly explained to you. It is important to realize that hospitals can make mistakes too. Ensure the charges you pay are for services you have received. Before making payment, <a href=\"https:\/\/money.usnews.com\/money\/personal-finance\/articles\/questions-to-ask-before-paying-any-medical-bill\">U.S News &amp; World Report<\/a> recommends answering a few questions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do I need an itemized bill?<\/li>\n\n\n\n<li>Do I recognize all the charges?<\/li>\n\n\n\n<li>Are the dates, providers and procedure codes correct?<\/li>\n\n\n\n<li>Are there red flags indicating this is a medical billing scam?<\/li>\n\n\n\n<li>How old is the bill?<\/li>\n\n\n\n<li>Did I get billed for an out-of-network provider?<\/li>\n\n\n\n<li>Can I negotiate the balance?<\/li>\n\n\n\n<li>Do I need help disputing this bill?<\/li>\n<\/ul>\n\n\n\n<p>Medical emergencies can happen to anyone; those bills can still add up even with healthcare insurance. The important thing is to get ahead of the debt and work to find a solution that leaves your pockets and accounts in the green.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medical debt can be hard to navigate. That&#8217;s why Beyond Finance wants to shed light on a few things you can do to help plan and budget for medical emergencies.<\/p>\n","protected":false},"author":12,"featured_media":4201,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15],"tags":[53,18,24,45,106,105,21],"class_list":["post-4197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-tips","tag-beyond-finance","tag-credit-cards","tag-debt","tag-financial-literacy","tag-medical-bills","tag-medical-debt","tag-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Beyond Finance %<\/title>\n<meta name=\"description\" content=\"Budgeting for your medical debt and expenses can be difficult. 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Beyond Finance wants to offer some tips that could help you get back on track.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/\" \/>\n<meta property=\"og:site_name\" content=\"Beyond Finance\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-08T21:56:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-08T22:00:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-626999764-Blog.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"801\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bria Jordan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bria Jordan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/\"},\"author\":{\"name\":\"Bria Jordan\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/fec02adaa74742c3b5495672cc9ef671\"},\"headline\":\"How to Navigate Your Finances and Health with Medical Debt Weighing You Down\",\"datePublished\":\"2023-08-08T21:56:07+00:00\",\"dateModified\":\"2023-08-08T22:00:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/\"},\"wordCount\":525,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-626999764-Blog.jpg\",\"keywords\":[\"Beyond Finance\",\"credit cards\",\"debt\",\"financial literacy\",\"medical bills\",\"medical debt\",\"Savings\"],\"articleSection\":[\"Finance Tips\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/\",\"url\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/\",\"name\":\"Beyond Finance %\",\"isPartOf\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.beyondfinance.com\/blog\/how-to-navigate-your-finances-and-health-with-medical-debt-weighing-you-down\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/08\/iStock-626999764-Blog.jpg\",\"datePublished\":\"2023-08-08T21:56:07+00:00\",\"dateModified\":\"2023-08-08T22:00:39+00:00\",\"description\":\"Budgeting for your medical debt and expenses can be difficult. 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