Having to go to the emergency room is a frightening event for most people. Do you know what’s even scarier? Getting the medical bills for that emergency room visit. Even if you have insurance, there is a good chance that you are going to get some considerable bills in the mail.

One of the first things that you need to do when you get a bill for medical care in the mail is to ask for an itemized bill. Go through that bill line by line to determine if there are any charges that shouldn’t be there. Oftentimes, you will find that you were overbilled for something.

After you go through the bill, you can either pay it all at once or you can contact the company to find out if you can make payments on it. Many hospitals and doctor offices will allow you to make payments on a bill. Just beware that you might have to pay interest charges on the outstanding bill.

There are times when you aren’t able to pay the bills. With the cost of medical care, it is easy to understand why some people simply can’t pay the bill. This is unfortunate, but there are options for these individuals. Some of them might decide that bankruptcy is the only way out of the situation.

Many people don’t realize that medical bills are one of the most common reasons that someone will file for bankruptcy. Even though this option has some negative connotations associated with it, it is actually a good tool for individuals who need help regaining control of their finances.

Source: U.S. News & World Report, “How to Get Help Paying Medical Bills,” Susannah Snider, accessed March 16, 2018