🏥 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
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Health Insurance Compare
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Medicaid vs Marketplace
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Healthcare Cost Navigator
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Chronic Illness Cost
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Debt-to-Income
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Bankruptcy Means Test
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Helpful Resources
Keep going
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