Hello Anna,
When you get the FIRST get bill from the hospital, call the billing office and ask them to send you an uncompensated care form(do NOT wait until the bills go to collection) All hospitals in the United States have this. What it is: certain funds are set aside yearly for those who have little or no insurance. Based upon a sliding fee scale, the patient would be responsible for 1/4, 1/2, 3/4, all or none of the bill. It's good for an entire year and then the patient would reapply if they are still in the same situation. They would just have to provide the following with the paperwork: proof of ID, proof of address, W2 from last year, and other proof if necessary (that varies in each state). Then any bills you accumulate from the hospital for ex-ER visits, inpatient, xrays, etc. they would be included on the UCC form for that year.
It is illegal to deny ER treatment if you have no insurance. AND it is illegal to collect payment on the spot in the ER.
If you aren't eligible for UCC, ask if there is a charity program at the hospital (I find that not for profits like Catholic, Baptist, or Lutheran hospitals for example have these and are more flexible with these sort of programs than for profits.)
Hope this helps. I use to do medical billing for 4 yrs. at a local hospital where I was a frequent flyer. I did medicaid, ER billing, no fault, workers comp, accts. that had bankruptcies against them as well as summons & complaints. It was very interesting and I learned so much.
Take care. ~Gutless Wonderwoman
ps: can you ask your GI for some samples of Crohn's medication? That is what I did when I didn't have the money for my Entocort for one month. He was kind enough to give me a 1-month supply as he had samples from the drug rep until I had enough $$ saved. Also, the drug companies do have programs for folks who have no insurance. You call them up, give them information, and they will give you the drug for free.