We’ve discussed previously how medical debt is one of the biggest causes of bankruptcy in the country. Medical debt is such a huge problem that many Americans are afraid that if they file bankruptcy a hospital or doctor that was included in the bankruptcy may refuse to treat them in an emergency situation.
No hospital can refuse emergency treatment to any patient regardless of their income, credit or bankruptcy status. That is the law. Furthermore, hospitals are not checking your credit or bankruptcy status when you come through their emergency room so you have nothing to fear in that regard.
Many debtors considering bankruptcy are also afraid that if they include their personal physician in their bankruptcy case they won’t be able to return to receive their treatments especially in cases when the debtor has a chronic illness. This is highly unlikely. With the rising costs of medical care, filing bankruptcy because of medical debt has become more and more common. The medical community is not in the habit of denying treatment to patients even if they discharged a very large medical bill in bankruptcy.
When filing bankruptcy, debtors are required to list all debts, including medical debt. Filing bankruptcy on medical debt will not impact your ability to receive treatment in the future. Bankruptcy offers all debtors a fresh start, including debtors with medical debt.