For Maryland residents without health insurance, having to go to the doctor or hospital can be a financially trying experience. However, even those people who have insurance through their jobs or from paying out-of-pocket can run into serious financial problems when their healthcare costs begin to mount up.
A woman with chronic health problems and who has health insurance through her husband’s employment recently shared her story about growing medical bills. The woman has faced cancer and has had many surgeries and even contracted an infection that required her to receive daily treatments for over a month. Though her insurance has paid for some of her costs, the woman still has expensive co-pays she is responsible for at each doctor visit and many expenses her insurance does not cover.
The woman has acknowledged that she and her husband have paid their mortgage late on occasion and that she has had to put off going to the doctor in order to have a paycheck available for making payments. Though they are working to eliminate their debt and pay off their house, they have had to make many sacrifices to deal with her extensive medical expenses even though she works two jobs.
Though this woman and her husband have been able to avoid bankruptcy thus far, others in their position have not been as fortunate. Despite the stigma that some people may feel attaches to it, bankruptcy can offer a person a fresh start on solid financial foot. Silver Spring Maryland bankruptcy court lawyers can help people struggling with overwhelming debt to explore their legal options for debt consolidation and elimination.
Source: siouxcityjournal.com, “Medical costs lead to financial worries,” Nick Hytrek, Dec. 22, 2013