- Aug 8, 2019
- 20
- 4
- 40
- Country
- United States
- Faith
- Christian
- Marital Status
- Married
Recently my husband injured himself and had to go to the ER. He has insurance through his work so we thought it would be covered minus deductible plus Co pay. However, due to this being a freestanding ER and it being out of network, legally they are entitled to balance bill us and we have to pay the difference.
It turns out we have to pay about $6k that was not covered by insurance. We had exhausted all our appeals and by law we owe this money. The thing is we have the money since my hubby has been saving up to buy a jeep. This would knock him back to about $4k towards his dream car if he paid the bill.
His plan is to go out and plunk the entire amount he saved (about 10k) as his down payment on the Jeep and just let 6k we owe go into collections. So basically he is planning on getting his car loan before stiffing the ER so he can still get a good rate on the car loan.
This doesn't really sit well with me ethically. On one hand I know 6k is a lot of money and that some times defaulting on a medical debt is unavoidable, however to me it seems what my husband wants to do is taking advantage.
Does any one have any advice?
It turns out we have to pay about $6k that was not covered by insurance. We had exhausted all our appeals and by law we owe this money. The thing is we have the money since my hubby has been saving up to buy a jeep. This would knock him back to about $4k towards his dream car if he paid the bill.
His plan is to go out and plunk the entire amount he saved (about 10k) as his down payment on the Jeep and just let 6k we owe go into collections. So basically he is planning on getting his car loan before stiffing the ER so he can still get a good rate on the car loan.
This doesn't really sit well with me ethically. On one hand I know 6k is a lot of money and that some times defaulting on a medical debt is unavoidable, however to me it seems what my husband wants to do is taking advantage.
Does any one have any advice?