You have medical insurance, but even that is not enough to cover all your medical bills after your recent accident in Kentucky. Of course, you want to focus on getting better. That said, it is best that you not ignore your unpaid medical bills, no matter how unaffordable they are.

With help from Money Under 30, you can start to formulate a plan to handle your medical debt. Understand what you need to do and when you need to do it.

Pay attention to bills

“Out of sight, out of mind” is the worst mindset you can take when it comes to bills. Ignoring them only makes the situation worse, and it could result in late and collections fees, as well.

Look over bills

Before you pay a dime of your bills, look over them for accuracy. There could be a medication or procedure you never received, which means you should not have to pay it.

Try to work out a payment plan

Before you use a credit card or empty your emergency savings account, see if the hospital would be willing to set you up with a payment plan; preferably, one that is interest-free. Breaking down your bill into small, monthly increments may be much easier for you to handle.

Ask about discounts

Maybe you have most of the money needed to fully pay off medical debt. If so, ask about a prompt pay discount. You may be able to knock off a percentage of your bill for paying it all within 30 or so days. If this sounds like an especially viable option for you, do not hesitate in asking for a larger discount.

This information is only intended to educate and should not be interpreted as legal advice.