When a Louisiana family needs urgent medical care, there is a good chance they will have to pay for some or all of their care out of pocket. Even with insurance, health care expenses can be exorbitant, and unfair billing practices can catch patients and families off guard. Surprise medical bills are a serious problem, and these unexpected costs don’t just affect patients.
Surprise medical bills often happen when a patient sees an out-of-network care provider that he or she did not choose. For example, an emergency room visit may result in a patient seeing a doctor not associated with his or her insurance plan, but there is little choice in the matter, especially when it is an emergency situation. In other cases, a patient in the hospital may see multiple care providers, but may get billed separately for some of them.
Some believe the solution to surprise medical bills lies in passing certain legislation that would prevent it from happening. Current medical billing practices are not only unfair to patients, but they are also partially to blame for the markup in medical services. Higher bills and medical billing surprises cause a trickle-down effect that impacts every person in the system, from the patient to the doctors.
Unfair medical billing can leave Louisiana consumers with more debt than they can manage on their own. In some cases, it is prudent for an overwhelmed consumer to consider how he or she could deal with these balances once and for all. One option includes filing for bankruptcy, specifically Chapter 7, which is ideal for those who have a substantial amount of unsecured debt.