Hertz’s passion for this cause stems from the pain he witnessed during his time as an insurance agent. He believes that there are ways to reduce the pain caused by medical debt.

Medical debt is a pervasive problem in many countries, including the United States. In this article, Robert Hertz, a retired health insurance agent and advocate for health reform, provides valuable advice on how individuals can prevent and deal with medical debt.

Hertz’s passion for this cause stems from the pain he witnessed during his time as an insurance agent. He believes that there are ways to reduce the pain caused by medical debt, and he is committed to advising individuals on how to minimize and eliminate their debt.

The first step to dealing with medical debt, according to Hertz, is to ask about the cost of medical procedures before they are performed. Many people in the US are used to comprehensive coverage and don’t ask about the cost of procedures. However, it is essential to inquire about the cost, even if it takes some courage to do so. By documenting the information provided, individuals can ensure that they have a step up if there is any mistake or discrepancy in the billing process.

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Hospitals and clinics often send bills immediately after a procedure, which may contain errors. It is essential to scrutinize the bill carefully and ensure that it is accurate. Moreover, if you have insurance, ensure that the bill has been sent to the insurer, as some providers may hope to scare patients into paying the full amount before insurance companies pay their share.

It is also important to keep open lines of communication with medical providers. While medical debt is a significant problem, the worst issues often arise when individuals ignore their bills and avoid communication. Debt collection agencies are impersonal and will harass and sue individuals, which can lead to legal and financial issues. Therefore, keeping in touch with the provider and setting up a payment plan is an effective way to resolve the issue.

In conclusion, medical debt is a significant problem in many countries, but there are ways to prevent and deal with it effectively. By following Hertz’s advice and asking about costs, documenting information, scrutinizing bills, and keeping open lines of communication, individuals can minimize their debt and avoid financial hardship.

Originally published at https://khudania.substack.com.

Khudania Ajay Content Entrepreneur, Podcast Host & Ind. Journalist

Khudania Ajay is a writer, podcast host, and independent journalist. In his 20-plus years in the media, he has worked with renowned organizations such as CNBC (India), Reuters, and Press Trust of India (PTI). Now, he is dedicated to helping his audience succeed through his LIVE Masterclasses.