Many people delay or skip medical care because they are worried about the cost. If you’ve ever faced that choice, you’re not alone. According to a recent article from Investopedia, nearly 60% of people surveyed said they postponed or avoided medical treatment due to high costs.
For people who are blind or have low vision, this challenge can feel even heavier. Medical care is often essential, not optional, and navigating costs, insurance rules, and payment options can be confusing and stressful. The good news is that there are steps you can take to reduce the financial burden without skipping the care you need.
Why People Delay Medical Care
Medical bills can be unpredictable. Even with insurance, it’s hard to know what you’ll owe until after treatment. When money is tight, people may choose to wait, hoping the problem will go away on its own. Unfortunately, delaying care can sometimes lead to bigger health issues and higher costs later.
Check Prices When You Can
If possible, try to find out the cost of care before your appointment. Some hospitals and providers list prices on their websites, and others will give information if you call.
If you are uninsured, or if you plan to pay cash, you may be able to request a good faith estimate. This is an advance estimate of what a service is expected to cost. Even if you have insurance, it can help to ask questions so there are fewer surprises later.
Federal rules also require hospitals to publish pricing information for common services, although this information can be difficult to find or understand. If you need help, asking a trusted person to review pricing information with you can make the process easier.
Look Into Financial Assistance Programs
Many nonprofit hospitals offer financial assistance or charity care programs. These programs may reduce or even eliminate your bill if you meet certain income or asset guidelines.
Even if you have insurance, you might still qualify for help. Each hospital sets its own rules, so it’s worth asking about financial assistance before or after receiving care.
Ask About Payment Plans
If you receive a bill you can’t pay all at once, ask whether a payment plan is available. Many hospitals and medical providers allow you to spread payments over several months.
Some payment plans charge little or no interest, which can be far more affordable than using credit cards or taking on other high-interest debt. Payment plans can make necessary care manageable without putting your finances at risk.
You Don’t Have to Choose Between Health and Money
Skipping medical care because of cost is common, but it doesn’t have to be your only option. Asking questions, exploring assistance programs, and requesting payment plans can help you get the care you need while protecting your financial stability.
At Penny Forward, we believe that informed choices and practical support can make a real difference. Your health matters, and there are ways to navigate medical costs without facing them alone.
Source:
Investopedia – Nearly 60% of People Skip or Delay Medical Treatment Due to High Costs—Here’s What to Do Instead
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