Medical debt is one of the most common reasons why people may suffer unexpected financial hardship. This is true even for people with insurance policies, who may have high deductible plans or bills from out-of-network services. However, there are certain steps you could take to cut health care costs. Find a Federally Qualified Health Center (FQHC) in your area. These are health centers that qualify for funding under the Public Health Service Act. FQHCs offer certain types of services on a sliding fee scale. This means that if you qualify for these sliding scale fees, you could receive discounted preventative, dental, mental health and specialty care services. To find an FHQC in your area, visit this website and type in your zip code. Call the center beforehand to ask which services they offer. If you have a health insurance policy, try to avoid out-of-network facilities, specialists or services. In non-emergency…
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Health savings accounts (HSAs) have attracted a lot of public attention in recent weeks as lawmakers discuss new options for overhauling our health care system. HSAs have been around for a long time, but they may become even more commonplace in the near future. These accounts currently require you to be enrolled in high-deductible health care plans. As of this year, you must have a deductible of at least $1,300 for an individual plan and $2,600 for a family plan. If you have an individual plan, you can contribute $3,400 into an HSAs. For families, this amount is $6,750. These funds can be used to cover basic medical expenses. Contributions towards your HSA can come from your employer, relatives or others. What Are the Pros and Cons of Health Savings Accounts? Contributions made to HSAs are tax-free. You do not have to report these contributions when filing your taxes. Withdrawals…
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*Credit card payments will not be accepted for bankruptcy cases, unless pre-approved by The Sader Law Firm. If you have a question about a credit card payment, please call our Office Manager at (816) 561 1818.
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