application letter for hospital bills

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Is there financial help for my medical bills?

Financial assistance programs, sometimes called “charity care,” provide free or discounted health care to people who need help paying their medical bills. These programs may help patients who do not have insurance and patients who have insurance but are underinsured. These programs may be provided by your medical care provider and your state. Additionally, there may be non-profit organizations or advocacy groups that can help you.

The Affordable Care Act (ACA) requires hospitals to have a written Financial Assistance Policy (FAP) and a written Emergency Medical Care policy . These policies should be widely publicized (for example, an easily seen written notice on billing statements and public displays) and must include specific information such as:

• Eligibility criteria for financial assistance and whether the care is free or discounted.
• Basis for calculating amounts that you are charged.
• How you apply.

As part of the hospital intake or discharge process, the hospital must offer you a paper copy of the plain language summary of the FAP. This summary must include:

• A brief description of the eligibility requirements and assistance offered under the FAP.
• A brief summary of how to apply for assistance under the FAP.
• The direct website address (or URL) and physical locations where the individual can obtain copies of the FAP and FAP application form.
• Instructions on how the individual can obtain a free copy of the FAP and FAP application form by mail.

Steps to take for charity care or financial help with medical bills

1. ask for a copy of the policy..

Ask for a copy of the hospital’s financial assistance policy up front. By law, the policy must be provided free of charge and must tell you how to apply for help. You can ask whether the policy is available in your preferred language in addition to English.

2. Fill out an application form.

Fill out the application with information about your income, including last year’s tax forms or a current pay stub, and your expenses, including your rent or mortgage payment, utilities, credit cards, and other expenses.

3. Ask questions about the process.

Ask your provider how long it takes to process your application for financial assistance, how to get answers to questions about the application, and what happens with your bill in the meantime.

4. Notify any debt collectors, if they are trying to collect from you

Notify any debt collectors trying to collect on the hospital bill that you’re seeking financial assistance for the bill. You can tell them to pause collections while that is pending.

5. Follow up

Follow up with the service provider and its billing department about the status of your application as necessary.

More information about charity care or financial assistance policies is available on the IRS’s website . In exchange for nonprofit hospitals being treated favorably under federal tax laws, they are required to follow the requirements for providing help to people who need it. If you suspect the hospital is NOT following these requirements, notify the IRS .

Even if a hospital is for-profit or private, they may have a financial assistance policy that can help you pay your medical bills. Ask your hospital for information about their policy, including the eligibility requirements and how you can apply.

Some states have charity care laws that require hospitals to provide free or discounted care to patients meeting requirements, sometimes based on income. Here are some of the states that provide protections:

• California, Connecticut, Illinois, Maine, Maryland, Nevada, New Jersey, New York, Rhode Island, and Washington have protections that apply to all hospitals .
• Louisiana, Oregon, and Texas have protections that apply only to nonprofit or state hospitals .
• Colorado, Massachusetts, and South Carolina have state-run financial assistance programs.

Even if your medical bill is in collection or you have been sued for the debt, you may still want to apply for charity care or financial assistance. You can also request that the debt collector stop collection activity while your application is pending with the hospital. Here is a sample letter that you can use or modify to send to the debt collector. Telling the debt collector to stop contacting you does not stop the debt collector or the hospital from using other legal ways to collect the debt from you if you owe it.

Where can I go if I need more help?

If you have problems with your hospital’s financial assistance policy or application or are unable to resolve your billing dispute to your satisfaction, you have several options.

Consumer Assistance Programs. Many states provide help for consumers experiencing problems with their health insurance. This state map will help you find assistance in your state or territory.

Centers for Medicare & Medicaid Services offers detailed information about your protections against surprise medical bills, including a help desk for medical billing questions and ways to submit a complaint if you believe your facility, provider or insurer isn’t following the rules.

State agencies such as your state attorney general and state insurance department or insurance commissioner may also offer helpful information as well as a complaint process.

Legal Services. If you need a lawyer , there may be resources to assist you, and you may qualify for free legal services through legal aid.

CFPB . If you have a problem with debt collection and a debt you don’t owe because the bill should have been or has been covered by a Financial Assistance Plan or charity care, or if you have a problem with these bills being reported on your credit report, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372) .

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How to Write a Hardship Letter for Medical Bills

When unexpected medical events happen, it can be hard to stay on top of the costly bills that come along with them. From broken arms to difficult diagnoses, any hospital visit can take you from a place of relative financial stability to struggling to make ends meet . When this happens, what are your options? How can you move forward under the weight of crippling medical debt? One of the many ways to help with that debt is a hardship letter. 

This article will look at what a hardship letter is, how it can help, and how you can write one. Keep reading to learn more.

What is a Medical Hardship Letter?

A medical hardship letter is simple, yet powerful. Individuals who find themselves overwhelmed with medical debt have the option to send in a medical hardship letter. A medical hardship letter contains a plea for leniency and potential forgiveness of debts — either partial or whole. When writing a medical hardship letter, you explain to the hospital or entity controlling your debt that you are unable to pay your medical debts.

Once you have written this letter, you will send it to the hospital or entity controlling your debt with the hopes of a favorable response. But what exactly are some of the ways a hardship letter can help? Let’s take a closer look!

How Does a Medical Hardship Letter Help?

There are a couple of different preferable outcomes that could come from a hardship letter. Here are a few of the best things that could come out of a medical hardship letter. Below is a debt forgiveness calculator that can help you estimate your cost and options when you face a medical hardship.

Here are some different outcomes of the medical hardship letter:

Debt Forgiveness (full)

In some cases, there may be a chance for debt forgiveness. Typically this happens in particular situations. These situations may include ones where either the debtor had been making regular payments on the debt, got it down to a small amount, and then had an unexpected financial hardship. Because the amount of unpaid debt is small, it may not be worth the time of the hospital to come after you for the debt. If you were to just try to ignore the debt, there is a chance the hospital would sell the debt to a collection agency. However, if you write a hardship letter, there is a chance that the hospital will instead opt to cancel the remaining debt.

Debt Settlement (Partial Forgiveness)

Another possible outcome is that the letter will begin the process of debt settlement . If you have debt you still owe, but have missed several payments, the hospital may consider accepting a lower payment amount for the sum of the debt. For instance, if you owe $5,000, there is a chance the hospital may accept $3,000. Once the $3,000 is paid, you would no longer owe the hospital anything. 

Delinquent Account Leniency

 One of the more common outcomes of a medical hardship letter is leniency. If you were to simply ignore the fact that you were missing payments, there are many avenues of debt collection for a hospital. From lawsuits to debt collection agencies, hospitals can find ways to come after you for your debt. However, if you acknowledge the debt and explain your situation, there is a chance the hospital will instead be patient and lenient, especially if you include your plan to repay the debt.

Regardless of what you are hoping comes out of the medical hardship letter, the biggest thing this letter does is begin the communication with the hospital. As we mentioned earlier, the worst thing you can do is ignore debt that you cannot pay. Reaching out to the entity that holds your debt is the first step to obtaining a solution that works for you. So, how can you write a medical hardship letter? Here are a few things you need to include in the letter.

How to Write a Medical Hardship Letter

There are a few necessary pieces of information that will be helpful to include in this letter. Not only do you want this letter to be informative and logical, but you also want it to be persuasive and emotional. Balancing this can be difficult, but it is definitely achievable. Here are a few components to keep in mind.

Monitor the Length

While you do want enough information in the letter, you don’t want to send a novel. Be direct and to the point. The preferred length is somewhere around one full page. Too short and it may seem callous, but too long and there’s a chance the letter isn’t even read. 

Introduce Yourself

Make sure the reader knows they are dealing with a real person! Tell them your name and why you have medical debt in the first place. It could sound something like this:

Hello! My name is [insert name], and I recently was a patient at [hospital or medical office] due to [medical condition or treatment]. I was so thankful for the excellent care and service you were able to provide during such a critical and scary time.

Provide Financial Information

In this next section, you want to include the necessary financial information that lays out how much the treatment cost, what your insurance covered, and what you still owe. Keep this at the top, as this is information they need to know and are most interested in. It could read as follows:

While being treated, I incurred expenses of [dollar amount]. [Dollar amount] was covered by insurance, leaving me with [dollar amount] left to pay.  (If you don’t have insurance, you could write: Unfortunately, I did not have insurance, so I was left with the entirety of the bill.)

Previous Repayments

Call back to the times you have been paying your debt down. If you were making payments monthly, let them know! If you were making payments in chunks as you were able, point that out. Just make sure to include any effort you made to repay the debt. Here is an example:

After my treatment, I made regular, monthly payments of [monthly payment amount]. I made these payments every month for the past 7 months. 

Insert the Hardship

Now is the time to mention what is preventing you from making your monthly payments. You can be as detailed or as vague as you want, however, the more detailed you are, the better chance you have of getting a deal worked out. Whether it is an unexpected job loss, a death in the family, illness, or something else, mention what is stopping you from being able to make consistent payments. Here is something you could write:

Unfortunately, I have recently been laid off from my job and I have no meaningful source of income. Because of this, I am unable to make any payments on my debt. In fact, I am barely able to make ends meet with rent, groceries, and utilities. 

Provide Proof

If you are able, provide as much financial documentation as possible. Not only will this show that you are being honest about your situation, but this will also solidify your situation in the reader’s mind. Things like check stubs, total debt to the hospital, and even emails showing your situation are valuable to include. Mention them like this:

I have included the email that notified me of my termination of employment, as well as my previous check stubs, rent statements, and hospital debt statements. As you can see, without a meaningful source of income it is impossible for me to pay both my rent and hospital bills.

Suggest a Solution

Towards the end of the letter, suggest a solution! Whether you are able to make smaller payments, want to completely settle your debt, or need a couple of months to get situated before resuming payments, let them know what your plan is and ask if they are willing to consider it! Here are a few examples based on your desired outcome:

Fortunately, I have a savings account for times such as this. While my savings account is significant, it would not completely cover the debt in its entirety. Though my debt is $5,000, I have $3,000 I can pay immediately. If I did this, could we consider the debt fully paid? This way, I could move forward towards financial stability with one less payment to worry about, and you have one less payment you have to keep track of. 

To Lower Payment:

Though my income is significantly stalled at the moment, I would like to continue making smaller payments as a gesture of good faith. Would you be willing to accept [lower dollar amount] per month until I am able to resume working?

To Stall Payments:

I am actively working on obtaining a new job. During this time, however, I am unable to make any payments to the hospital. I estimate it will take me [number of days, weeks, months] to get a new job and resume bringing in paychecks. Would you consider allowing me to pause my payments for [amount of time] so that I can get a job and resume making payments afterward?

Provide Contact Information and a Thank You

You obviously want to end with gratitude, but also with a call to action. Leave the ball in their court and ask them to contact you with their thoughts. It could look something like this:

Thank you for your thoughtful time and consideration. I hope we are able to come to an agreement that works for both of us. Please reach out at [contact information] so we can discuss the details of this arrangement.

[name/signature]

Need Any More Help With a Hardship Letter?

Hopefully, this medical hardship letter will help you with any financial struggles you may be facing due to a medical emergency. Contact Ascend if you’d like help figuring out what your next step is!

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How to apply for financial assistance

Learn about financial assistance.

Nonprofit hospitals must give financial assistance to eligible patients who can't afford to pay.

If you got care elsewhere, they may still offer financial assistance.

Ask your health care facility's billing department about financial assistance.

Note: You may come across the term “charity care.” This is sometimes used to refer to financial assistance.

Search for your hospital’s financial assistance policy.

In a search engine, type the hospital name and “financial assistance” to find their policy. Or call the hospital and ask for details about their financial aid policy.

If you’re already at the hospital, ask for a copy of their policy.

Review the policy.

Read the hospital’s financial assistance policy.

Make sure you know the answers to these questions before you apply:

• What are the eligibility requirements? 
• How do you apply?
• What is the deadline for applying?
• Who should you call if you have questions?

Apply for financial assistance if you’re eligible.

Follow the policy’s instructions to apply. 

The hospital may ask you to submit a form online or print and mail a form.

Call the listed phone number if you have any questions about your application.

Check the status of your application.

After you apply, ask the hospital: 

• How long it takes to process your application for financial assistance
• How to get answers to questions about the application
• What happens with your bill in the meantime

If your bill is in collections, tell any debt collectors that you're trying to get financial help.

Ask them to pause collections while that process plays out.

They already reported it on your credit. In that case,  dispute an error on your credit report on consumerfinance.gov.

Reach out to a patient advocate organization or ask for a lower bill if financial assistance isn’t available.

Find a patient advocate who can help . 

Hospitals and medical offices can sometimes lower the price. They may also offer payment plans. Get tips on how to talk to your provider about your bill .

Writing A Financial Hardship Letter Due To Medical Bills

Medical bills tend to be substantial bills and if you incur a sudden expensive illness or a major accident, they can mount up very quickly. You may need multiple, lengthy treatments and your insurance may not cover all of those expenses. A lot of people don’t realize that credit card debt and medical debt are quite similar. Namely, they are both unsecured, which means they can both be negotiated. One way to get the ball rolling, is by writing a hardship letter.

Tips for Writing a Financial Hardship Letter Due to Medical Bills

The healthcare industry is very inflexible in terms of collecting on medical bills. However, this does not mean that you have to pay more than you can, nor do you have to take out a loan. Doing so will only make your situation worse.

First of all, therefore, you should determine whether the debt is actually correct. It is quite possible that there has been an error in your medical bill, particularly when you consider that studies have shown that up to 80% of them do indeed have some sort of error. Hence, make sure to look over the bill and ask a trusted person to do the same. You can find online help on how to read your bill as well.

Once you have determined the amount you actually owe, you need to negotiate with the medical institution to see if a repayment plan can be created. You should not have to put yourself in greater financial difficulty just to pay for your bill. This is because, if you do this, you may not be able to receive Medicaid later on in life. What you need to do is immediately tell the creditor that you cannot pay. Debt used to be referred to collection agencies after 150 days, but this is now usually between 60 and 90 days, so make sure you do things quickly. Consider that collection agencies may sue you for as little as $100, and you will see how important it is to take action now.

Make sure you keep documented evidence of everything that you do. Hence, do not speak to the medical provider – or a debt collection agency – over the telephone, but do everything in writing. You should also make payments each month on the bill that you can afford, even if an agreement has not yet been reached. This shows willingness on your part.

Some important tips for your hardship letter :

• Keep the letter short and to the point. Try to stick to a single page.
• Include a financial statement that shows your income and expenses.
• Always be polite and courteous. After all, you are asking for help.
• Explain that you are in hardship and why, and how that is linked to the medical condition in question.
• Offer a repayment plan that you can afford, stating when you will make the payment, how, and for how long.
• Address it to an actual individual, which gives it a personal touch.

If your repayment offer is accepted, make sure that you receive a confirmation for that in writing.

Financial Hardship Letter Due To Medical Bills Example

{Your Name} {Your Address} {Your Phone Number}

{Hospital/Clinic/Doctor Name} {Address} {Phone Number} ATTN: {contact person}

RE: {consolidation/restructuring/forgiveness} of debt on medical bills for {Name}, account {number}

To Whom It May Concern:

My name is {Name}, and I was a patient at {hospital/clinic/doctor’s office} on {date}, where I received {a specific procedure, treatment, etc.}. {Indicate what your insurance covered of this procedure, or note that you did not have insurance at the time}.

I have been on a payment plan that has me paying {amount in dollars} per month. But I have unfortunately run into significant troubles in my life, which have made it impossible for me to continue to keep up with this payment plan. Due to {death in the family, loss of a job, other medical problems, etc.}, I am dealing with making constant decisions about which of my many bills is most important each month.

I have attached {relevant financial documents} to this letter, so that you can see that my monthly income is only {amount in dollars}, all of which must go to {mortgage, rent, other payments}, leaving very little left for the amount I owe you.

{Indicate how much you can pay each month, or indicate that you would like to have your debt forgiven due to this hardship} . I hope that we can work out a plan that will work for both parties.

Please contact me as soon as possible so that we can begin this process.

{Sender Name}

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What to Know About Hospital Financial Assistance Policies

Nonprofit hospitals are required to offer these programs, but they vary by facility and state.

Use Hospital Financial Assistance Plans

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Hospital financial assistance policies were created under the Affordable Care Act.

When patients are faced with huge medical bills , it may seem like there are few avenues for relief. They can negotiate with insurance. They can haggle with the hospital. They can negotiate with debt collectors.

But a resource patients may not be aware of is hospital financial assistance, also called charity care. "It's a requirement for nonprofit hospitals to create financial assistance plans," says Jenifer Bosco, staff attorney at the National Consumer Law Center.

Understanding whether you qualify for financial help isn't always simple. You'll need to know whether the facility you visit has a financial assistance policy, the procedure you underwent qualifies and you qualify as low-income . Interested in learning more? Here's what to know about hospital financial assistance policies.

What's a Hospital Financial Assistance Policy?

Financial assistance policies help provide free or discounted medical services to patients who meet certain eligibility standards and are unable to pay for their medical treatments. They were created under the Affordable Care Act to address medical debt and increase transparency. Specifically, these regulations apply to nonprofit hospitals and are overseen by the Internal Revenue Service, or IRS.

Patients will find that these programs run the gamut depending on the medical institution and the state in which it's located, which may have its own regulations. "There's not anything within IRS rules that says how much financial assistance needs to be provided and who qualifies for financial assistance, so the hospitals have a lot of leeway to make those decisions," Bosco says.

You may find everything from fairly generous policies offering assistance to families who earn five or six times the federal poverty guidelines – an annually adjusted measure of income and family size – or you may find that your facility offers the bare minimum. Some may offer sliding scales, wiping away more debt for lower-income patients, while others may standardize the relief offered. Nonprofit medical centers are required to make the financial assistance policy, application form and a plain language summary of the policy widely available on their websites, so you should be able to find more information about your hospital online.

How Do I Know if I Qualify for a Financial Assistance Policy?

First, you'll need to verify that the facility you visited offers financial assistance or charity care. If you received treatment at a nonprofit hospital, then federal law requires there to be a policy in place. If you received treatment at a for-profit medical center, it can't hurt to ask if there's financial assistance available, but the hospital is not federally required to offer it.

Next, you'll want to determine whether your income and family size qualify you for financial assistance. These eligibility cutoffs vary depending on the hospital. For example, the University of Pittsburgh Medical Center uses a sliding scale to determine assistance amount. If the patient earns between 400% and 251% of the federal poverty guidelines, he or she will earn partial financial assistance. If the patient earns 250% or less than the federal poverty guidelines, that patient is eligible for 100% financial assistance and for UPMC service fees to be waived. UPMC also offers hardship assistance for qualified families where medical liability exceeds 15% of family income.

Finally, you'll need to have undergone a procedure that qualifies for financial assistance. You may find that cosmetic procedures , dental care and other treatments are not covered.

What to Know About Cheap Insurance

Geoff Williams Sept. 11, 2018

How Do I Apply for a Financial Assistance Policy?

If you have questions about the financial assistance plan, where to find the financial assistance application and how to determine whether you apply, call the facility's billing office, says Maureen Lamb, CEO and founder of Medical Bill Support, which works with health care consumers to reduce medical costs. That should get you started in the right direction.

At the University of Iowa Hospitals & Clinics, the aim is to make people aware of the program when they make their appointment, says Philip Roudabush, assistant vice president of revenue cycle operations at the University of Iowa Hospitals & Clinics. They try to introduce the program to patients who are uninsured or underinsured. "The best-case scenario is when they're calling in and trying to schedule an appointment, we try to make sure they're aware of what that looks like if they don't have (an insurance) plan," Roudabush says.

But sometimes, patients don't hear about the program or are accepting emergency care and can't plan for it until after medical services are received. You'll generally need to start the application process within 240 days of receiving your first bill, Bosco says. So it behooves you to not delay.

The application may require tallying up income, sharing the names of your family members and detailing other assets. "They really vary in terms of what they might ask – sometimes they want tax forms," Lamb says.

During the application process, you can expect the debt collections process to pause. "We pause the 'dunning process' at that point because you're engaging with us," says Benjie Johnson, Michigan Medicine's chief officer of the hospital’s revenue cycle.

Generally, if you have insurance, you'll need to have exhausted all of those benefits, including employer-sponsored health insurance , automobile insurance and workers' compensation, before tapping charity care. "Our financial assistance program actually will allow for financial assistance even if you have insurance, and we made that change recently because of these high-deductible plans," Johnson says.

What Do I Do if I've Been Denied Financial Assistance?

If you don't qualify, don't despair. Hospital representatives say patients may be able to repay their bills on a low- or no-interest installment plan or take out a short-term loan with a partner bank.

You may also want to reapply in future years if you take on new medical bills. After all, your family circumstances and the federal poverty guidelines change from year to year, so a denial in the past may not exclude you from having an application accepted in the future.

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Hardship Letter for Medical Bills: Free & Convincing

This step-by-step tutorial, complete with a customizable template, aims to equip you with the tools to communicate your absence responsibly and professionally.

Key Takeaways

• Understand the Purpose : Recognize that an absence excuse letter is a formal way to communicate your absence from work, explaining the reason without oversharing.
• Keep it Professional : Maintain a professional tone throughout the letter, irrespective of the reason for your absence.
• Be Concise : Clearly state the reason for your absence, the dates, and any work plan during your absence in a concise manner.
• Provide Documentation if Necessary : Depending on the reason for your absence, be prepared to provide documentation to support your excuse.
• Template and Customization : Utilize the provided template as a starting point, but ensure to tailor it to your specific situation.

Now, let’s dive into the guide.

Step 1: Start with Your Contact Information

Begin your letter by placing your contact information at the top. This includes your full name, address, email, and phone number. This makes it easy for your employer to know who the letter is from and how to contact you if necessary.

[Your Full Name] [Your Address] [City, State, Zip] [Email Address] [Phone Number] [Date]

Step 2: Add the Recipient’s Details

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Following your contact information, include the recipient’s details. This should be your supervisor or the HR department’s contact information, including their name, title, and company address.

Step 3: Write the Salutation

Begin with a formal greeting using the recipient’s last name, such as “Dear Mr./Ms. [Last Name],”. If you are unsure of the recipient’s name, “Dear [Company Name] Team,” is a suitable alternative.

Step 4: State the Purpose of Your Letter

In the first paragraph, get straight to the point. Mention that you are writing to inform them of your absence and specify the dates you will be away from work. It’s crucial to be clear and concise.

Step 5: Explain Your Reason

Without delving into unnecessary details, briefly explain the reason for your absence. Whether it’s due to illness, a family emergency, or any other legitimate reason, ensure to communicate it respectfully and professionally.

Step 6: Mention Work Continuity Plans (If Applicable)

If you plan to work remotely or have arranged for your responsibilities to be covered in your absence, mention this in your letter. This shows your commitment to your role and minimizes disruption.

Step 7: Offer Documentation

For certain absences, like medical leave, it might be necessary to offer documentation. Indicate your willingness to provide such documents upon request, but do not include them unless specifically asked.

Step 8: Close with a Professional Sign-off

Conclude your letter by thanking the recipient for their understanding, and sign off professionally with “Sincerely,” followed by your name.

Thank you for your understanding and support during this time. Please let me know if further information is required.

Sincerely, [Your Full Name]

Template for Absence Excuse Letter for Work

[Recipient’s Name] [Their Title] [Company Name] [Company Address] [City, State, Zip]

Dear Mr./Ms. [Last Name],

I am writing to inform you of my absence from work due to [brief explanation of the reason] from [start date] to [end date]. [Optional: Include any plans for work continuity or offer to provide documentation.]

Thank you for your understanding and support. Please let me know if you need any further information or documentation regarding my absence.

Tips from Personal Experience

• Timeliness is Key : Notify your employer as soon as you are aware of the need for time off. This helps in planning and ensures minimal disruption.
• Privacy Matters : While it’s important to provide a reason for your absence, remember to keep sensitive details private. Only share what is necessary.
• Follow-Up : After sending your letter, consider following up with your supervisor or HR department to ensure they received it and to address any concerns.

Crafting an absence excuse letter for work may seem daunting, but it’s an essential skill for maintaining professionalism and open communication with your employer. 

I would love to hear about your experiences or any tips you might have on this topic. Please share your thoughts and comments below!

Frequently Asked Questions (FAQs)

Q: how can i effectively include my situation about selling my motorcycle due to financial constraints in a hardship letter for medical bills.

Answer : In my hardship letter for medical bills, I detailed my difficult decision to sell my beloved motorcycle, a testament to the lengths I’m going to cover my expenses. 

This sale, deeply personal and challenging, underscored my current financial predicament and the seriousness of my situation to the creditors.

Q: What’s the best way to express the emotional impact of selling my motorcycle in my hardship letter for medical bills?

Answer : When I wrote about selling my motorcycle in the hardship letter, I emphasized the emotional toll it took on me, highlighting it as a last resort to manage my overwhelming medical bills. 

This sale was not just a financial decision but a heartbreaking sacrifice, showcasing the depth of my financial distress to the creditors.

Q: Can mentioning the sale of my motorcycle in a hardship letter for medical bills make my case stronger?

Answer : Absolutely, including the sale of my motorcycle in my hardship letter added a tangible example of the financial sacrifices I’ve made to meet my obligations. 

It painted a vivid picture of my situation, making my plea for leniency more compelling to the hospital’s billing department.

Q: How should I frame the sale of my motorcycle in my hardship letter to effectively convey my financial hardship?

Answer : In my letter, I framed the sale of my motorcycle as a significant personal loss, undertaken to contribute towards my insurmountable medical debt. 

This move illustrated my proactive efforts and willingness to make tough choices, demonstrating my commitment to resolving my financial hardship.

Q: Is it appropriate to share the emotional significance of my motorcycle in a hardship letter for medical bills?

Answer : Yes, sharing the emotional significance of my motorcycle in the hardship letter made my narrative more personal and impactful. 

It wasn’t just an asset, but a part of my life that I had to let go to address my medical bills, adding a poignant layer to my appeal for assistance or understanding.

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Application for Reimbursement of Medical Expenses/Charges

Medical reimbursement application letter. Sample Application for reimbursement of medical expenses, and charges. Covering letter for medical claim requesting reimbursement of medical expenses to the company, school, or office, etc.

Medical Bill Reimbursement Application Format

To, MCB Bank Ltd Human Resource, Medical Department Karachi.

I was suffering from Chronic Kidney disease for the last few months. I have operated from Faisal Hospital Lahore. The total expense of 100,000 rupees is incurred. Please reimburse this amount; I have attached all the necessary documents, and Invoices.

I shall be highly grateful to you.

Application for Reimbursement of Medical Expenses

Dear hospital manager,

I am writing to you because I would like to apply for my medical expenses. I was recently involved in a road traffic accident. The other driver was drunk, and driving over the speed limit when he drove around the corner right into my head-on. As a result, I was badly injured with both my legs broken, and my spine chipped with a few broken ribs.

After all the treatment, I was given the medical bill, and paid. My lawyer later told me that I could get the money back because the accident was not my fault, and I was not doing anything wrong to contribute to the accident. The cost of my medical bill was two thousand pounds. I took this out of my children’s education savings, and it took me years to get that for them.

I hope that you will grant me this request, and I look forward to hearing back from you.

Yours sincerely,

Miss. Fiona Deaton

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6 thoughts on “application for reimbursement of medical expenses/charges”.

Pls send a letter for medical bill reimbursement due to term pregnancy

check the required letters at this link: https://semioffice.com/billing-invoices/request-for-medical-bill-reimbursement-due-to-term-pregnancy/

I need a sample application for reimbursement of wife delivery

your letter: https://semioffice.com/office-letters/sample-application-for-reimbursement-of-wife-delivery/

Plz send me email I am accountant. I want request to procurement dept for sendind all invoices with approved PO FromCEO

check it here: https://semioffice.com/business-letters/request-for-sending-invoices-with-approved-purchase-orders/

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• Letter Asking For Financial Assistance For Hospital Bills

Facing medical emergencies and hospital bills can be financially overwhelming for individuals and their families. In such challenging times, seeking financial assistance becomes a crucial step in alleviating the burden and ensuring access to necessary medical care. To assist those in need, we have prepared four templates for letters requesting financial assistance for hospital bills. Each template addresses different circumstances, such as personal medical emergencies, chronic illnesses, unforeseen accidents, and limited insurance coverage.These templates have been thoughtfully designed to convey the requester's situation, express gratitude for the recipient's consideration, and provide relevant details such as medical documentation and bills. The letters aim to create a sense of empathy and urgency, while seeking support from various organizations, charities, and funds known for their assistance in such situations.By using these templates as a starting point and personalizing them with specific details, individuals can effectively communicate their financial challenges and request assistance with sincerity and humility. We hope that these templates will provide a helpful framework for those seeking financial relief during difficult times, allowing them to focus on their recovery and well-being.

Template Letter Requesting Financial Assistance for Hospital Bills - Personal Circumstances

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]

[Recipient's Name] [Recipient's Address] [City, State, ZIP]

Dear [Recipient's Name],

I hope this letter finds you well. I am writing to seek financial assistance for my hospital bills incurred due to a medical emergency. Recently, I underwent unexpected medical treatment, which has resulted in substantial medical expenses that I am struggling to manage.

Unfortunately, my health insurance coverage is limited, and the out-of-pocket costs have put a significant financial burden on me and my family. As a result, I am humbly requesting any assistance you can provide to help alleviate this financial strain.

I have attached relevant medical documents and bills for your reference. Any support, whether small or large, would be immensely appreciated and would go a long way in helping me cover the medical expenses and focus on my recovery without added stress.

Please let me know if there are any additional details or documentation required from my end. I understand that there may be many other deserving cases, and I am truly grateful for your consideration.

Thank you for taking the time to read this letter and for your kind consideration. Your generosity and support in this difficult time would mean the world to me and my family.

[Your Name]

Template Seeking Financial Assistance for Hospital Bills - Medical Emergency

[Recipient's Name] [Recipient's Organization/Charity] [Recipient's Address] [City, State, ZIP]

I hope this letter finds you in good health. I am reaching out to you with a heartfelt request for financial assistance to help me cope with my hospital bills. I recently underwent emergency medical treatment, which has resulted in substantial medical expenses that I am struggling to manage.

Despite having health insurance, the remaining balance and associated costs are beyond my current financial capabilities. I am unable to work during my recovery period, which has further added to my financial challenges.

I have been informed that your organization/charity is known for providing support to individuals facing difficult circumstances. I am kindly requesting any assistance you can offer to help ease the burden of my hospital bills and aid in my recovery.

I have enclosed all relevant medical documents and bills for your reference. Your kindness and generosity will have a significant impact on my life, allowing me to focus on my recovery and return to my daily responsibilities with a renewed sense of hope.

Thank you for considering my request. Your compassion and support during this trying time would be deeply appreciated.

Template Letter Requesting Financial Assistance for Hospital Bills - Chronic Illness

[Recipient's Name] [Recipient's Organization/Fund] [Recipient's Address] [City, State, ZIP]

I hope this letter finds you well. I am writing to seek financial assistance for my ongoing hospital bills related to the treatment of my chronic illness. The management of my condition requires regular medical attention, which has resulted in significant and recurring medical expenses.

While I have been diligently managing my health, the financial burden has become overwhelming. Despite my efforts to maintain a stable income, the expenses have surpassed my current resources.

I have heard about the meaningful work done by your organization/fund in assisting individuals facing medical challenges. I am humbly requesting any support you can provide to help me cope with my hospital bills and continue the necessary treatments to manage my health effectively.

I have attached relevant medical records and bills for your perusal. Your generosity would not only help me with my current situation but also provide hope for a healthier and brighter future.

Thank you for considering my request. Your kindness and support would be a tremendous blessing in my life.

Template Seeking Financial Assistance for Hospital Bills - Unforeseen Accident

[Recipient's Name] [Recipient's Organization/Community Fund] [Recipient's Address] [City, State, ZIP]

I hope this letter finds you in good health. I am writing to request financial assistance to help me with the hospital bills resulting from an unforeseen accident that occurred recently.

The accident has caused severe injuries, requiring immediate medical attention and ongoing treatment. As a result, I am faced with substantial medical expenses that I am finding difficult to manage on my own.

I have exhausted my personal savings to cover initial costs, and my health insurance coverage is limited, leaving a significant balance that I am unable to meet.

I have heard about the compassionate work done by your organization/community fund in supporting individuals during challenging times. I am humbly asking for any assistance you can provide to help alleviate the financial burden and ensure that I receive the necessary medical care.

I have enclosed relevant medical documents and bills for your reference. Your generosity would not only aid in my recovery but also provide immense relief during this difficult period.

Thank you for considering my request. Your kindness and support would mean the world to me as I navigate through this trying time.

We are delighted to extend our professional proofreading and writing services to cater to all your business and professional requirements, absolutely free of charge at Englishtemplates.com . Should you need any email, letter, or application templates, please do not hesitate to reach out to us at englishtemplates.com. Kindly leave a comment stating your request, and we will ensure to provide the necessary template at the earliest.

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• Financial Aid Request Letter Sample

Sample Letter to Request for Discount or Reduce Hospital Bill

[These are sample Letter to Request for Discount or Reduce Hospital Bill. You can follow these sample application letter for a discount in hospital bill for treatment of your patient. You can request the discount in surgery bill, operation bill, baby delivery bill, medical bill and hospital room bill. You need to modify this sample according to your needs.]

Date…

Higher Authority name…

Hospital/Clinic name…

Address…

Sub: Request to Reduce Hospital Bill

Sir, with due respect I would like to state that my son/daughter has been admitted in your hospital (Date: DD/MM/YY) ago and s/he has been undergoing several treatments which have been fully paid. (Describe in your own words). I am a government/private job holder and I have been working day and night to cope up with the expenses but the doctors recently informed me about the major surgery (the type of treatment) that my son/daughter has to undergo in the coming week. (Explain the actual cause and situation). They have asked me to submit the fee by (Date).

With full regret, I have to say that I would be unable to pay that large amount as I belong to a lower class. (Cordially describe your requirements). Kindly grant me a discount of (Money Amount) in the bill so that my son/daughter can become healthy again. I shall be very thankful to you

Your name…

Contact Information…

Another Format,

Sub: Letter to Hospital for Discount

Respected Concern,

This letter is respectfully written for the request for a discount on our medical bill. (Describe in your own words). Our patient ref. No. is [000*000*000]. We just come to know about your hospital’s policy that gives concession to the needy patients. (Explain the actual cause and situation). Kindly consider this request for grant and approve this grant against the stated reference number. (Cordially describe your requirements).

Yours Sincerely,

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Home » Letters » Request Letters » Letter to Employer for Medical Reimbursement – Sample Letter to HR for Medical Reimbursement

Letter to Employer for Medical Reimbursement – Sample Letter to HR for Medical Reimbursement

Table of Contents:

• Sample Letter

Live Editing Assistance

How to use live assistant, additional template options, download options, share via email, share via whatsapp, copy to clipboard, print letter, sample letter to hr for medical reimbursement.

To, The Human Resources Manager, ___________ (Name Of Company), ___________ (Address)

Date: __/__/____ (Date)

Subject: Request for medical reimbursement

Sir / Madam,

I would state that my name is _________ (Name) and I work at your _________ (Company/ Organization) as ___________ (Manager/ Officer – Mention Designation) of _____________ (Department).

Respected, on ____________ (Date) I got admitted in ___________ (Hospital Name) due to the reason _____________ (Disease Name/ Treatment Name – Mention Reason Of Admission). I was admitted for ________ (Number of days) and I had to pay the bill.

I am writing this letter to request you to reimburse the amount for a total amount of ______ (Reimbursement Amount) as per our company policy. For your reference, I am attaching my reports and bills from the hospital.

For any queries, you may contact me at : _______________ (Contact Number). I shall be highly obliged for your support.

Kind Regards, ______________ (Signature) ______________ (Name), ______________ (Address)

Live Preview

The Live Assistant feature is represented by a real-time preview functionality. Here’s how to use it:

• Start Typing: Enter your letter content in the "Letter Input" textarea.
• Live Preview: As you type, the content of your letter will be displayed in the "Live Preview" section below the textarea. This feature converts newline characters in the textarea into <br> tags in HTML for better readability.

The letter writing editor allows you to start with predefined templates for drafting your letters:

• Choose a Template: Click one of the template buttons ("Start with Sample Template 1", "Start with Sample Template 2", or "Start with Sample Template 3").
• Auto-Fill Textarea: The chosen template's content will automatically fill the textarea, which you can then modify or use as is.

Click the "Download Letter" button after composing your letter. This triggers a download of a file containing the content of your letter.

Click the "Share via Email" button after composing your letter. Your default email client will open a new message window with the subject "Sharing My Draft Letter" and the content of your letter in the body.

Click the "Share via WhatsApp" button after you've composed your letter. Your default browser will open a new tab prompting you to send the letter as a message to a contact on WhatsApp.

If you want to copy the text of your letter to the clipboard:

• Copy to Clipboard: Click the "Copy to Clipboard" button after composing your letter.
• Paste Anywhere: You can then paste the copied text anywhere you need, such as into another application or document.

For printing the letter directly from the browser:

• Print Letter: Click the "Print Letter" button after composing your letter.
• Print Preview: A new browser window will open showing your letter formatted for printing.
• Print: Use the print dialog in the browser to complete printing.
• It's advisable to attach relevant medical reports, bills, and receipts for the treatment received.
• While there's no strict format, ensure your letter includes details such as your name, designation, reason for hospitalization, duration of stay, and reimbursement amount requested.
• Processing times may vary depending on company policies and procedures. It's best to inquire with the HR department for an estimated timeline.
• You can still request reimbursement for such expenses by providing relevant documentation and explaining the circumstances to your employer.
• Some companies allow reimbursement for medical expenses of family members under certain conditions. Check your company's policy or consult HR for clarification.

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• Sample request letter for reimbursement for medical bill
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Request Email for Sick Leave – How to write an Sick Leave Email

Follow-up email for pending leave approval – how to write an email for leave submitted and pending approval | sample email, complaint email for bad service – how to write complaint email for poor service | sample email, request email to manager for 2 days leave – how to write 2 days leave email in office, privacy overview.