What to Do When Medical Bills Keep Coming — Even with Insurance
- BABY President
- Nov 4
- 2 min read
When you’ve done everything right, but still can’t keep up.
You have health insurance. You follow every doctor’s order, attend every appointment, and hold your child’s hand through every scan and surgery. You’re doing everything right — yet somehow, the bills keep coming.
For many Northern Colorado families, this is an all-too-familiar story. Having insurance doesn’t always mean being protected from financial stress. Between deductibles, out-of-pocket limits, and uncovered care, even a single hospital stay can turn into months or years of debt.
The good news? You’re not alone — and there are ways to ease the load.
Step 1: Don’t ignore the bills
It’s tempting to push them aside — especially when you’re already emotionally and physically drained. But the first step toward relief is to open them, organize them, and understand exactly what you owe.
Make a simple list:
Who sent the bill (hospital, lab, specialist)
The amount
The due date
Whether it’s already been submitted to insurance
This helps you stay on top of what’s urgent and what may still be under review.
Step 2: Call the billing office — it’s worth it
Many hospitals and clinics have financial assistance programs — but they don’t always advertise them clearly. Call the billing department and ask:
“Do you have any financial aid or charity care programs?”
“Can I apply for a payment reduction?”
“Is it possible to set up a no-interest payment plan?”
Even if you don’t qualify for full forgiveness, you might be eligible for partial assistance or extended payment schedules that make things more manageable.
Step 3: Ask your providers to re-code or re-submit claims
Sometimes, insurance rejections happen because of simple coding errors. Ask your provider’s billing team to double-check that the codes match your coverage. A quick re-submission can save hundreds of dollars.
Step 4: Reach out for local support
If you’re feeling overwhelmed, that’s exactly where The B.A.B.Y. Foundation can step in.
We help Northern Colorado families bridge the gap between medical costs and real-life needs — whether that’s hospital stays, equipment, or uncovered procedures.
Our mission is simple: to help families focus on caring for their child instead of fighting medical bills.
You can learn more or apply for assistance at www.thebabyfoundation.org.
Because when a child is fighting for their health, no parent should have to fight alone.
Comments