Navigating Medical Bills: A Guide for Non-US Citizens

Understanding Your Options

When non-US citizens face medical emergencies in the United States, the resulting medical bills can be overwhelming. Understanding your options and seeking assistance promptly is crucial to finding a manageable solution.

Travel Insurance

If the non-citizen purchased travel insurance, it will typically cover a portion of the medical expenses. However, the coverage limit may not be sufficient to cover the entire bill.

Financial Aid and Negotiation

Hospitals often have financial assistance programs for low-income individuals, including non-US citizens. Inquire about these programs and submit an application. Additionally, you can negotiate with the hospital to reduce the bill or establish a payment plan that aligns with your financial capabilities.

Legal Considerations

Obligation to Pay

In most cases, non-US citizens who receive medical care in the US are not legally obligated to pay the bills if they do not have the financial means. However, signing any financial responsibility documents can render you liable for the debt.

Debt Collection

US debt collectors may attempt to pursue the debt, even internationally. However, it is generally challenging and expensive for them to enforce judgments against non-US citizens with no assets or income in the US.

Recommended Actions

Avoid Signing Financial Documents

Never sign any documents that acknowledge your financial responsibility for the medical bill.

Seek Professional Help

Consider consulting with a licensed insurance agent or an attorney who specializes in healthcare law to guide you through the process and protect your rights.

Explore Financial Assistance

Contact the hospital’s financial assistance department or social worker to inquire about programs that may provide relief or reduce the bill.

Negotiate with the Hospital

Be prepared to negotiate with the hospital to lower the bill or establish a payment plan that you can afford.

Ignore Collection Attempts

If debt collectors contact you, do not engage with them. Simply inform them that the debt is not yours and that you are not legally obligated to pay it.

Additional Points

California has laws that protect non-US citizens from being held liable for medical bills.
If the non-citizen plans to return to the US in the future, it is advisable to address the unpaid bill to avoid potential immigration issues.
Emergency medical care may be covered under state programs like Medi-Cal, but eligibility depends on income and other factors.