Credit Card Center Advertiser Disclosure

Reply
Regular Contributor
Posts: 153
Registered: ‎05-29-2015
0 Kudos

Charity care for old medical collections?

My husband has about $1300 in medical debt from late 2012 that is sitting with a collections company. I called the hospital a year ago asking if they'd be willing to recall the debt for payment in full and they would not. I ended up paying more pressing items instead and the bill is sitting there until I have the funds to pay it.

 

I recently saw someone advise someone else on here that for medical debt they should call the OC and ask if they qualify for charity care. I had never thought of this. I looked up the hopsitals charity care program and we would easily qualify, except they say specifically on the application that it's not for bills that have been in collections for over four months. I had no clue charity assistance was available back when the bills were current, I'd have applied.

 

So I did some googling and found a law help page for my state that says:

 

"If you receive a letter from a collection agency about the hospital bill, you should; Apply for Charity Care immediately, if you have not already done so. Send a letter to the collection agency (keep a copy) demanding that it stop all collection activity while your Charity Care application is being considered."

 

I found another pdf from website called healthconsumer that says:

 

"If you got hospital services after January 1, 2007, the hospital must give you a discount or charity care. You can still get a discount or charity care even if the hospital has sent your bill to a collection agency or you are being sued for payment of the bill. Collection agencies must follow hospital charity care and discount plan rules too. You should contact both the collection agency and the hospital and tell them you want to apply for the hospital’s charity care or discount payment program. "

 

 

So I'm confused, is there a time limit? Have I missed the boat on this one?

Frequent Contributor
Posts: 479
Registered: ‎03-20-2014
0 Kudos

Re: Charity care for old medical collections?

It varies from hospital to hospital. My mother's bills were from as far back as 2013 and she qualified just last month.
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Community Leader
Epic Contributor
Posts: 29,712
Registered: ‎03-19-2007
0 Kudos

Re: Charity care for old medical collections?

I would recommend contacting your state regulatory agency that administers compliance with such programs.

Their job is to assist in compliance, including advising of the current statutory or regulatory requirments.

Internet posts can often be only the interpretation of the poster.......

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.