PHA Case Study: Underinsured Patient Facing Foreclosure

Situation:

Edward, a part-time worker, had insurance coverage but not enough to cover several large hospital bills. Edward’s Personal Health Advocate informed him about “hardship/charity” assistance available through the hospital and helped him fill out the paperwork. As a result of this assistance, his inpatient hospital bills were cancelled. His PHA also negotiated with his physician to reduce Edward’s medical bills by 30 percent and worked with his insurance company to successfully reprocess and pay his past bills. Edward stated that without the PHA’s help, he faced bankruptcy and losing his home.

What The Healthcare Survival Guide says:

No matter what your income or health status, there are free or low-cost government and private options available. One example: free clinics for basic check-ups and screenings (pg. 17). Healthy individuals or those with a job on the horizon might consider a short-term mini-medical/limited benefit plan (pg. 31). The take-away: comparison-shop for what you need and read the fine print carefully. “Affordable” can mean exclusion of hospitalization, leaving you with big bills in a crisis. Look for drug coverage, limitations of doctor visits and other missing parts (pg. 26).

If you would like a free copy of The Healthcare Survival Guide: Cost-Saving Options for the Suddenly Unemployed and Anyone Else Who Wants to Save Money, you can download it at www.healthcaresurvivalguide.com.

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