Medical bills after plan confirmation

[cz3ch]

I think that one of the provisions of The Affordable Care Act that went into effect immediately was, insurance companies can't deny you based on pre existing conditions.
Take a look at this site: www.healthcare.gov

Depending on your income, you'll get a tax credit that can be applied to insurance premiums starting next Jan. Might give you some preplanning ides.

The company I'm currently working for doesn't offer health insurance and I tried getting an individual policy but my pre-existing condition is something individual plans won't cover. Apparently it's still legal for independent insurance companies to deny based on pre-existing conditions. I think this all changes in Jan 2014.

[cz3ch]

OP, can you send these idiots 5 bucks a month to try to keep them at bay for a little while? I wonder. Otherwise you may have to start asking about having your check sent elsewhere, maybe directly to a debit card. Sucks I know. Do double check your laws. At least TX is more debtor-friendly than NJ.

I'll see what I can do. For now, I've been writing letters to them letting them know I'm in BK and cannot afford to pay at this time. I think that my bank account would be safe until I was taken to court and a judge issued a judgement against me. I think that would be months away, and most hospitals won't bother with the legal expense on such a small debt. Each bill is around 3-5k and they are from different hospitals so it's not like I owe 100k to one hospital. I'm hoping they just write it off.

Can't they still seize the debit card account if I get my check direct deposited to it? I thought it acted just like a bank account where they could search/freeze the account?

[LadyInTheRed]

I'll see what I can do. For now, I've been writing letters to them letting them know I'm in BK and cannot afford to pay at this time. I think that my bank account would be safe until I was taken to court and a judge issued a judgement against me. I think that would be months away, and most hospitals won't bother with the legal expense on such a small debt. Each bill is around 3-5k and they are from different hospitals so it's not like I owe 100k to one hospital. I'm hoping they just write it off.

Can't they still seize the debit card account if I get my check direct deposited to it? I thought it acted just like a bank account where they could search/freeze the account?

You are correct that they need to sue you and get a judgement before they can collect from bank accounts or wages. Once they get the judgement, they can get at a debit card account too.

[cz3ch]

You are correct that they need to sue you and get a judgement before they can collect from bank accounts or wages. Once they get the judgement, they can get at a debit card account too.

Well hopefully it doesn't get to that point. If it does, I'll be requesting paper checks and cashing them at Walmart