Medical debt can be a significant source of financial stress, but there are actionable steps you can take to address and resolve these issues. In the latest episode of Credit 101, here are easy ways to fix your medical debt:

1. Review Your Medical Bills:
   • Carefully review all your medical bills for accuracy. Look out for any discrepancies or charges that may be incorrect. If you spot errors, contact the healthcare provider to rectify them.
2. Negotiate with Healthcare Providers:
   • Many healthcare providers are open to negotiation, especially if you’re facing financial hardship. Reach out to them, explain your situation, and inquire about the possibility of negotiating lower bills, setting up a payment plan, or qualifying for financial assistance programs.
3. Verify Insurance Coverage:
   • Ensure that your medical bills align with your insurance coverage. Double-check that your insurance company has processed and covered the relevant expenses. If there are issues, follow up with your insurer for clarification.
4. Apply for Financial Assistance:
   • Hospitals and medical facilities often have financial assistance programs for individuals with limited financial means. Explore these options and inquire about any available assistance or discounts based on your income and circumstances.
5. Set Up a Payment Plan:
   • If you’re unable to pay the full amount upfront, discuss setting up a manageable payment plan with the healthcare provider. Many providers are willing to work with patients to create affordable payment arrangements.
6. Check for Charity Care Programs:
   • Some healthcare organizations have charity care programs that offer financial relief for eligible individuals. Inquire about these programs and see if you qualify for assistance.
7. Dispute Inaccuracies on Your Credit Report:
   • If your medical debt has negatively impacted your credit report, ensure that the information is accurate. Dispute any discrepancies with the credit bureaus and work towards resolving credit reporting issues related to medical debt.

Taking proactive steps to address medical debt not only helps in resolving immediate financial challenges but also contributes to maintaining a healthier credit profile.