For many, the thought of surgery is unsettling. And being faced with expensive bills after is less than comforting. Even if you do have health insurance, it isn’t always a buffer. Out-of-pocket expenses can skyrocket quickly and people can find themselves drowning in medical bills they can’t afford. This leaves people searching for surgery assistance.
It’s hard to cope with medical expenses after a surgery. And it is more challenging if you aren’t able to work and experience a loss of wages. The added financial pressure compounds the stress and distracts you from focusing on your recovery. If you are in need of surgery assistance you can find financial aid from the resources listed below.
Where To Find Financial Assistance for Surgery
If you don’t have health insurance but need surgery assistance don’t be afraid to ask if you qualify for a financial aid program from the hospital. Many hospitals offer assistance for people with lower incomes. You will likely need to submit an application that proves your income in order to qualify.
In addition, hospitals often offer payment plans for those without health insurance. Consider asking about this option. Remember, hospitals would rather receive monthly payments than no payments at all. Work with your hospital to create a monthly payment plan that works for your finances.
If you live and work in one of the states with a mandatory program for temporary disability then you can apply for benefits while you recover from surgery. There are only five states with this type of coverage; New York, New Jersey, Hawaii, Rhode Island, and California.
Although this is a great resource if you are lucky enough to live in one of these states, there are drawbacks. There is a limit on the monthly benefits as well as the duration for which you can receive them. Keep in mind, this type of financial assistance can help you following your surgery but it won’t help you pay for the surgery itself.
Crowdfunding is a tool anyone can use if they are facing financial insecurity. Surgery is expensive no matter how much you anticipate the costs. And in the event that you or a loved one is faced with emergency surgery, it can leave little time to organize your finances. But you can raise money for surgery quickly with crowdfunding.
Crowdfunding has proven to be a powerful resource for individuals and families struggling to pay medical bills. And many people find that even though it feels vulnerable to ask for help, the support they receive once they do ask is empowering. A common concern is that crowdfunding platforms take 5 percent or more of your donations. But platforms like YouCaring don’t charge a fee because they believe that every dollar counts. Use this Medical Crowdfunding Guide to learn about the best practices.
Insure Kids Now is a great resource for working parents who don’t have health insurance or whose insurance does not extend coverage to their kids. Medicaid and the Children’s Health Insurance Program (CHIP) provide free or low-cost health insurance for children. Each state has different eligibility rules.
All veterans can apply for health care benefits at Veteran Affairs (VA) facilities. However, only some are eligible for free health care based on income. Some may need to pay co-pays. Once enrolled, veterans receive a medical benefits package, which includes inpatient care services like surgery. Veterans and their families are also offered a patient advocate to help guide them through the confusing healthcare system.
Find Surgery Assistance Today
Don’t let medical bills from surgery push you to the verge of medical debt. The more familiar you are with your financial assistance options, the better you will be prepared in the event of an emergency.