{"id":1560,"date":"2023-08-21T10:00:00","date_gmt":"2023-08-21T10:00:00","guid":{"rendered":"https:\/\/www.lendnation.com\/?p=1560"},"modified":"2025-07-28T20:05:25","modified_gmt":"2025-07-28T20:05:25","slug":"getting-out-of-medical-debt","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/getting-out-of-medical-debt\/","title":{"rendered":"Getting out of Medical Debt"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2023-08-21T10:00:00+00:00\">August, 2023<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">Getting out of Medical Debt<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/money-management\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"733\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg 3942w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?resize=300,215 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?resize=768,549 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?resize=1024,733 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?resize=1536,1099 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2023\/07\/shutterstock_11614489.jpg?resize=2048,1465 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Medical Bills Don\u2019t Have to Stick with You: Here\u2019s How to Get Out of Medical Debt<\/h2>\n\n\n\n<p>If one thing is certain in life, it\u2019s that nothing is certain. Even if you\u2019re the healthiest person you know, everyone gets sick sometimes, and if you have kids, you likely know all about unplanned doctor and hospital visits.<\/p>\n\n\n\n<p>So, what do you do when medical debt starts to stack up? Is there a way to negotiate hospital bills? What about payment plans? Will any of this affect your credit?<\/p>\n\n\n\n<p>Don\u2019t worry; we have all these answers and more. Read on to learn more about medical debt and what you can do to get out of it quickly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Does Medical Debt Affect My Credit Score?<\/strong><\/h3>\n\n\n\n<p>Even with the best insurance, a medical emergency can leave you with hefty out-of-pocket costs. The more complex the procedure, the more bills you may end up with, hospital room stays, physician fees, anesthesia, blood panels \u2013 the list goes on. These are often billed separately, and before you know it, one hospital stay can turn into a financial nightmare.<\/p>\n\n\n\n<p>Before you panic, here\u2019s the good news: <a href=\"https:\/\/www.lendnation.com\/blog\/article\/medical-bills-and-your-credit\">medical debt won\u2019t show up<\/a> on your credit report unless you don\u2019t pay it for a significant period of time. Your bill won\u2019t be passed off to a collections agency until it\u2019s 60, 90, or 120 days past due, depending on the medical provider. This means you have a good amount of time to either pay the bill off or work out a payment plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Programs to Help Minimize Medical Debt\u2019s Impact<\/strong><\/h3>\n\n\n\n<p>Because of the increasing financial burdens American families have faced since the start of COVID-19, efforts are being made to help reduce medical debt and its impact, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.congress.gov\/bill\/117th-congress\/house-bill\/773\/text?q=%7B%22search%22%3A%5B%22hr+1%22%5D%7D&amp;r=68&amp;s=1\"><strong>The Medical Debt Relief Act<\/strong><\/a><strong>:<\/strong>&nbsp; Introduced to federal legislature in 2021 (sometimes referred to as the Medical Debt Forgiveness Act), this bill would enact a one-year waiting period before a medical bill can be reported to a credit bureau as delinquent. It would also remove any negative marks from past-due medical bills if the bill was paid off or settled. Although it hasn\u2019t yet been fully adopted yet, this act would provide more time for individuals with medical debt to pay off their bills.&nbsp;&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.goodrx.com\/healthcare-access\/medical-debt\/new-laws-2023\"><strong>Changes in consumer credit-reporting bureaus<\/strong><\/a>: As of January 2023, the major consumer credit-reporting bureaus will no longer report medical debt under $500. This means even if you have a delinquent medical bill under $500, your credit score won\u2019t be impacted.<\/li>\n\n\n\n<li><strong>Can I Negotiate Medical Bills?<\/strong><\/li>\n\n\n\n<li>Most hospitals and medical providers will help with medical bills if you\u2019re struggling to pay. Here\u2019s <a href=\"https:\/\/www.lendnation.com\/blog\/article\/4-ways-to-negotiate-your-bills-to-save-money\">how to negotiate medical bills<\/a> effectively:<\/li>\n\n\n\n<li><strong>Be proactive.<\/strong> Don\u2019t wait until you see that glaring red \u201cFINAL NOTICE\u201d bill. If you get a medical bill, call the billing office right away and ask for assistance. They\u2019ll be eager to help, and it will ease your mind to have arrangements in place, so the bill doesn\u2019t go to collections.<\/li>\n\n\n\n<li><strong>Ask to apply for financial assistance<\/strong>. Most medical systems have provisions in place to reduce or eliminate bills for families in need. Even if you\u2019re not sure you\u2019ll be eligible, ask the billing office if they provide financial assistance and if so, how to apply. If you do qualify, your bill will either be forgiven entirely or significantly reduced.<\/li>\n\n\n\n<li><strong>Get on a payment plan.<\/strong> If you don\u2019t qualify for financial assistance, you can still ask about payment plans so you don\u2019t have to pay the full amount at once. Most providers will work with you based on how much you can afford to pay and schedule out payments monthly. Some can even set up automatic payments, so you never accidentally forget a payment.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Can I Negotiate Medical Bills?<\/strong><\/h3>\n\n\n\n<p>Most hospitals and medical providers will help with medical bills if you\u2019re struggling to pay. Here\u2019s <a href=\"https:\/\/www.lendnation.com\/blog\/article\/4-ways-to-negotiate-your-bills-to-save-money\">how to negotiate medical bills<\/a> effectively:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Be proactive.<\/strong> Don\u2019t wait until you see that glaring red \u201cFINAL NOTICE\u201d bill. If you get a medical bill, call the billing office right away and ask for assistance. They\u2019ll be eager to help, and it will ease your mind to have arrangements in place, so the bill doesn\u2019t go to collections.<\/li>\n\n\n\n<li><strong>Ask to apply for financial assistance<\/strong>. Most medical systems have provisions in place to reduce or eliminate bills for families in need. Even if you\u2019re not sure you\u2019ll be eligible, ask the billing office if they provide financial assistance and if so, how to apply. If you do qualify, your bill will either be forgiven entirely or significantly reduced.<\/li>\n\n\n\n<li><strong>Get on a payment plan.<\/strong> If you don\u2019t qualify for financial assistance, you can still ask about payment plans so you don\u2019t have to pay the full amount at once. Most providers will work with you based on how much you can afford to pay and schedule out payments monthly. Some can even set up automatic payments, so you never accidentally forget a payment.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get a Quick Lift with LendNation<\/strong><\/h2>\n\n\n\n<p>Sometimes, even if you do your best to keep up on medical bills, debt can pile up. If you\u2019re struggling under the weight of medical debt and you need to quickly make a payment, turn to LendNation. With quick approval, you can get quick cash to pay off your medical debts.<\/p>\n\n\n\n<p>See LendNation\u2019s <a href=\"https:\/\/www.lendnation.com\/\">loan options<\/a> to find what\u2019s right for your situation, or <a href=\"https:\/\/www.lendnation.com\/contact-us\">reach out to a LendNation representative<\/a> if you need help with an application.&nbsp;<\/p>\n\n\n\n<p><strong>Resources:<\/strong><strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.goodrx.com\/healthcare-access\/medical-debt\/new-laws-2023\">https:\/\/www.goodrx.com\/healthcare-access\/medical-debt\/new-laws-2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/library.nclc.org\/article\/new-consumer-law-rights-taking-effect-2023\"><strong>https:\/\/library.nclc.org\/article\/new-consumer-law-rights-taking-effect-2023<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/medical-bills-and-your-credit\"><strong>https:\/\/www.lendnation.com\/blog\/article\/medical-bills-and-your-credit<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/blog\/article\/4-ways-to-negotiate-your-bills-to-save-money\"><strong>https:\/\/www.lendnation.com\/blog\/article\/4-ways-to-negotiate-your-bills-to-save-money<\/strong><\/a><strong><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lendnation.com\/location\/\"><strong>https:\/\/www.lendnation.com\/location\/<\/strong><\/a><strong><\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading alignwide\" id=\"h-\"><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\"><\/h3>\n\n\n\n<p><\/p>\n<\/div>\n\n\n\n<footer class=\"wp-block-group p-post-single-footer has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" 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aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Money Management<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-02-26T17:30:57+00:00\">February, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person putting cash into emergency fund savings jar while reviewing budget and financial planning documents\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg 8192w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/02\/shutterstock_2684351047.jpg?resize=300,200 300w, 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style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Struggling with medical debt? You\u2019re not alone. Discover how to reduce medical debt, negotiate medical bills, and apply for financial assistance.<\/p>\n","protected":false},"author":18,"featured_media":1561,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[38],"tags":[104,105,106],"class_list":["post-1560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-management","tag-medical-debt","tag-medical-expenses","tag-paying-medical-bills"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Getting out of Medical Debt - LendNation<\/title>\n<meta name=\"description\" content=\"Struggling with medical debt? You\u2019re not alone. Discover how to reduce medical debt, negotiate medical bills, and apply for financial assistance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/getting-out-of-medical-debt\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Getting out of Medical Debt\" \/>\n<meta property=\"og:description\" content=\"Struggling with medical debt? You\u2019re not alone. 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