Where Does This Medical Debt Fit in the Baby Steps?
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- Опубликовано: 26 сен 2024
- Where Does This Medical Debt Fit in the Baby Steps?
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Dave,
There are a lot of little twerps I’m Hospital management!
Absolutely insane that she even has that much debt from that. Inexcusable medical system in this country.
Yes, inexcusable student loan system too!
Yes but should we work for free?
@@kiersten1535 No. Even in countries without medical debt, doctors don’t just “work for free” lol.
@@MysterE95 there’s a reason the USA has the best healthcare in the world and why everyone from foreign countries comes here to get their work done. if you can afford it, it’s the best in the world
@@monkas7270 the life expectancies in our country vs other countries begs to differ...
I’m surprise the hospital didn’t work something out with her. She should speak to the hospital administrator. She won’t have to pay the entire amount because she didn’t have insurance at the time.
Never had that kind of cooperation from hospital billing…
Yeah, many providers will cut discounts on the spot if you pay off a balance.
Thank heavens we have the National Health Service over here in Limey-land! No demands on us Brits for our hard-earned cash every time we have to go into hospital or visit the doctor or dentinininininininist or optician!
Only in America where we go into horrendous debt for medical treatment
Oh someone’s hard earned cash is going to it. Not saying there’s anything wrong with that system, but know that if you’re not paying for your healthcare, someone else is.
It's so sad this kind of story is so common in this country 😭😭 Glad he answered this question!!
Was it sad that she was driving without auto insurance and smashed into someone? Could have killed them and then they're just SOL. This woman is a mess.
@Steve That isn't a mistake, that's blatant disregard for literally everyone else on the roads life.
@Steve How is it punishing her? She had a baby she couldn't afford, so why should I be punished for that and footing the bill? Condoms and other forms of birth control are readily available, but I'm sure she's a good Christian girl and pro-life. 🤣
@Steve Of course we spend more, we have 100x more people.... Not to mention we have better Healthcare and all the medical breakthroughs in the world are almost always in the US because it's well funded and the rest of the world reaps the benefits.
If its hospital debt, file for charity care. ([Hospital Name] Financial Assistance Program) If you've already paid for it, and you are eligible for charity care, you are entitled to a refund. Nonprofit hospitals (most are) are required to write off medical debt for those that meet the income requirements. The deadline is 240 days from the date of the first bill. If there are extraordinary circumstances, Doesnt matter if its gone to collectiosn or not. In fact, upon making the complete application, they must stop all Extraordinary Collection Activities which include collections, lawsuits, etc.
when it comes to Healthcare , the American way sucks.
No it doesn't. Gotta pay to play
@Steve
I know about all the in-work poverty, high rising home/rent costs, and household consumer debt in the UK.
You must be middle class or higher.
All those problems are American issues too…. Stop trying to justify your healthcare system..
It really is, just for a preventative check up it's around $500, broken arm $10K, child birth $30-100K. Insurance most of the time doesn't cover all of it.
@@MatthewChapmanYT
You would think free healthcare would make things financially better.
So good! Just what I needed/was looking for answers. Thanks!!!
Horrible advice. The debt is in collection. Paying close to the full amount or even half is paying too much
Unless they can retract the debt. Meaning if the hospital can pull it back out of collections and then it’s just an agreement to pay the hospital.
Typically hospitals work with you on payment plans.
If you make a certain amount, the payment is around $500 a month on things like this. 56k like she said is not going to get you a low payment
That's not always the case. With my own medical debt, because I had a medical emergency which resulted in using an ambulance, I have a debt of $931 and I've been unable to find stable employment and so yes, unemployed.
I have $30k just for an appendix removal. I have a plan to increase my income eventually but don't wanna pay $30k. How likely are medical collectors to settle (or sue).
I could be wrong but if an account is in collections dosent that mean hospital has sold the debt to collection agency and if that is true then a meeting in person at hospital does no good as the debt has been sold to collection agency and its off the hospitals books now
Plenty of time before hospital send it to collections.
You meet in person with hospital after service is done before you leave and work things out.
Many don’t do this.
Just got my hospital bill for $50k. My brain is short circuiting 😅
What is medical debt? Must be an American thing.
sadly, i wish medicial debt wasn't a thing
Great health care and personal responsibility is also an American thing.
It's the public subsidization of private pharmaceutical profits.
@Steve
Healthcare no issue with me in U.S.
I prefer being debt free,no financial issues, and retiring before 50.
Also take care of myself.
Sickness,drugs, and doctor/hospital visits, etc. all the time isn’t a goal in life for me to be that excited about.
I also don’t want to be forced to live in project style apartment housing.
@Steve you also have death panels and the wealthy of many countries come to the USA for the best health services.
Most people just ignore medical bills. That's one reason why we pay so much.
@@darex0827 I agree. It's also so unfair that if you're on Medicaid or whatever program, you don't pay. If you work hard and even though you have insurance, you can still go totally broke. It's all so messed up.
You are talking about the symptom and not the root cause of the problem.
@@dougprentice1363 90 percent of the time I avoid using my 500 dollar a month insurance cause I can't afford the Healthcare before the 10k deducted kicks in
@@dougprentice1363
Same happens to people with “free” healthcare in other countries.
@@blackworldtraveler3711 believe me, I don't want "free" health care.
The outro music is way too loud, Ramsey Solutions
We are in tons of medical debt and can’t keep up with the rising costs of my chronic care.
Boycott health insurance. Cancel it.
She pretty much did that.
That’s why she’s broke and desperate to marry anybody.
Inexcusable system in USA. So lucky I live in Canada.
A common remark from the poor living in Canada
Enjoy.
Canadian healthcare is comparatively garbage.
Shoot I thought I had it bad I owe 3k to collection with no car loans , student loans , just rent .
You’re in a good place and moving forward. Awesome job.
Jordan stones II🇱🇷: Thanks for your comment, will introduce you to something totally different and quite profitable
I think one lesson here is that it's good to have medical insurance.
When you can pay for it.
@@anannys there is Obamacare for people who can't afford medical insurance, but there are some people who don't want to pay insurance premiums, and don't pay the medical bill once it comes in either. Even dave is saying dont pay the full bill.
Obamacare costs me twice our mortgage. For a 13k deductible.
Even with insurance you're not safe. In the majority of medical bankruptcies the person actually had insurance.
@@labornurse That seems unlikely.
You want to get rid of medical debt? Live abroad.
You type fantasy.
How about zero debt before living abroad.
Most people in the U.S. are broke with debt and can’t afford to leave or live in another country.
You make it like you just pack your things and move. It’s expensive and not that simple to do.
I own two places in Europe purchased in 2001.
If anyone in the U.S. is moving to another country for free healthcare you’re will be living in undesirable places because if you think it’s expensive here you haven’t seen nothing yet.
Why do we drop hundreds of thousands of dollars on houses and tens of thousands on vehicles at the drop of a hat but are appalled by paying for top level healthcare? The car note wasn't behind but the people that cared for her son aren't getting paid?
The people who cared for her son are still collecting their salaries. They get paid regardless of whether or not she pays her debt
why does that matter? And who is paying their salaries? The cost of healthcare goes up for everyone when people don't pay because the cost is passed on to everyone else. Kind of like shoplifting.
@@cinnamoninit6028because healthcare is unreasonably expensive in this country. And ppl choose to drive and live in those houses. Nobody chooses to have an Illness and end up with a 50k bill
I love how everyone is hating on the single mom for not having insurance lol. Yay pro-life!
Medical insurance sure. But car insurance? It’s illegal to drive without it. She just seems like someone who feels she doesn’t have to pay for insurance.
@@kwaviddong7875 who cares if it's illegal? If there's no money to pay for it there's no money.
thank you Ramsey no money giving God money thank you
If God Charged all of us for breathing air that would be so much money that we will never be able to pay for.
God doesn't charge for anything
This guy is marrying a mess. The way she says "we" and "I" and "my". 🏃♂️ buddy 🏃♂️. Single moms with crazy debt and irresponsible with no insurance.
Are you also single? lol
Not to mention she was driving without insurance as well
I’ve been avoiding single mother relationships since the 80s. Seems nothing a has changed.
Congratulations now your new to be husband can take over your payments
One of the main reasons why most single mothers seek simps to marry.
Did you miss how much he owes on student loans? 😂
mortgage?
DR telling people not to pay their full bill because of lack of socialized medicine? I see pigs in the sky!
HOLD DA F*CK UP!?! 80K but another 47k.. that's 127k OMG 😳 that better be a small wedding event in a family's house. WHAT ARE YOU DOING IN YOUR LIFE?! Bruh!! 😑 Why is this man willing to marry you. You can't even buy a home
The $47k is medical debt. It’s not like she went shopping. Plus he has student loans!
Medical bills are negotiable
Dont pay in full
Or even bankrupt the medical and the car without insurance
Just pay the student loan and 7000 car thats it
Father has $85k job and no insurance? Doesn’t sound right
Fiance makes $85k, child's father is not the fiance.
That's not the baby daddy.
Single mother with life line simp.
@@angelalevell4868 Oof poor guy. Marrying the wrong woman
How tf do you put children into this world and don’t get health insurance for them?! This woman had no business having kids in the first place. Good thing she has insurance now.
Not having insurance is often a HUGE perk because they cut the bill by 3/4 as a no insurance perk. Guarantee this bill was cut way down
Get extreme discounts not having insurance just so you know
@@brittneyf3079 right, I don’t need extreme discount for my child. I need full coverage. $50 copay is acceptable
@@melinda67 some people aren't bless to have a place of work that offers coverage like this so self pay is more reasonable. It's what works financially given the type of coverage offered and the health conditions of family members must be considered. Not everyone births healthy children
@@melinda67 so yeah $50 is nice, IF they wanna grant it for you. They don't cover everything
American Hot Rod Assn Drag Racing History Channel
Who is the guy sitting next to Dave? He sounds like an evangelist.
Ken Coleman
What is medical debt? 😎
D○uche. If we had Medicare for All there wouldn't be this Medical debt
You’re probably poor with half your money going to taxes and probably living in one of those massive apartments like refugees in places like Norway with HOAs.
You wouldn’t know about debt or owning your own individual house or land like in the U.S..
@@KS-cl8br We would be bankrupt in a year . We would give it to every illegal and person who slithered over the border for the “free” care while American citizens died waiting in line. It would never work.
@@peanutoreo8052 You bring a good point. I have said in other posts and should day here: The Medicare for All, should be All American CITIZENS. Not permanent residents, or illegals or tourists or any foreigner. They need to pay if they need care but all citizens have a right to free care (think similar to Finland and UK but barring foreigners).
Jordan stones II🇱🇷: Thanks for your comment, will introduce you to something totally different and quite profitable
First
Why is this man marrying you? That poor guy going to take care of your debt and a kid that isn't his.
Probably because he loves her? What a stupid question
@@harrywisniewski5017 my guess is he's a desperate simp.
@E KL I wouldn't call that maturity, but you can call it whatever makes you happy.
@E KL
You know many simps and single mothers.
@E KL
Spend some time at the courthouse observing divorce and family court sessions and you might understand.
Single mom
Run buddy
Yes. He is going pay for her kid(s)
Medical debt is the least of my worries.. i never ever pay 🤷♀️ as long as my insurance paid the hospital whatever percentage im cool
Haha 😂
Thanks Obama.