I work for a medical billing company and sympathize with your situation. Have you contacted the hospitals regarding any sort of financial assistance programs they offer? Both are affiliated with religious groups, and ALL of the non-profits are required by law to provide a certain amount of financial assistance/write-offs to high need patients each year to maintain non-profit status. Depending on other factors--income, available credit, etc--many will negotiate significant discounts for payment in full, generally in 1-3 month time frame. Depending on your state, and again, income level, your daughter could qualify for Medicaid benefits. Many states have share of cost options for those who would not otherwise qualify for full traditional coverage. Essentially, share of cost requires the patient to meet a certain amount of medical debt each month before the benefits become active. Most states will retroact coverage three months from the application date. The hospitals should have a patient advocate or social worker who would be able to address all of the programs specific to that hospital. Also know there are many unaffiliated agencies that may provide at least partial assistance for balances. A good patient advocate should definitely be aware of any that exist in your area.
Good luck, and know that I am keeping you in my prayers.
