🏥 Crisis pathway
Drowning in Medical Debt
Medical debt is the #1 cause of bankruptcy in America. You have more options than you think.
What to Do Right Now
Request an Itemized Bill
Up to 80% of medical bills contain errors. Get a detailed line-by-line breakdown and check every charge.
Check for Charity Care
Nonprofit hospitals are required by law to have financial assistance policies. If you're under 400% FPL, you may qualify for reduced or free care.
Negotiate the Bill
Ask for the Medicare rate (typically 40-60% less). Most hospitals will negotiate, especially for uninsured or underinsured patients.
Set Up a Payment Plan
Hospitals must offer interest-free payment plans. Never put medical debt on a credit card.
Check Prescription Costs
Use GoodRx or Cost Plus Drugs to find the lowest price. Patient assistance programs can provide free medications.
Recommended Tools
Medical Bills — Can''t Pay
Get immediate guidance for your crisis situation with state-specific resources.
Prescription Savings
Quick emergency tools designed for on-the-go access.
Health Insurance Compare
Check your eligibility and estimate benefit amounts for your state.
Medicaid vs Marketplace
Check your eligibility and estimate benefit amounts for your state.
Healthcare Cost Navigator
Take action with step-by-step guided remediation tools.
Chronic Illness Cost
Compare costs and make informed financial decisions.
Debt-to-Income
Plan your financial future with data-driven calculations.
Bankruptcy Means Test
Navigate this personal emergency with a clear action plan.
Helpful Resources
Keep going
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