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How to pay medical bills you can't afford?

Some of us have financial problems, and we can’t get rid of the debts. Our medical debts grow, and we don’t know what to do. We can’t think rationally and find solutions. There are many ways to pay medical bills.

Guide to medical debts

  • Pay attention to your medical bills – if you don’t pay them, they will be sent to collection agencies.
  • Review your bills. The system can make mistakes, and you can be charged for bills you didn’t take. Check explanation of benefits. You might find duplicate items or unknown services on your bills. If you are not sure how to check for mistakes, contact your healthcare provider and insurance company.
  • Don’t pay medical bills with your credit card. These bad debts are difficult to pay off. They can also damage your credit score.
  • You don’t need to pay debts all at once. Pay off your bills using an interest-free payment plan. You can pay a certain amount of money each month. This amount can be higher than you expect. Try to negotiate.
  • Some hospitals will give you a no-interest loan.
  • Go to the hospital and ask the doctor to give you prompt pay discount.
  • Try to reduce your bills. Talk with your medical provider as soon as possible.
  • Ask medical billing advocates for help. They can find errors on medical bills or reduce the debt.
  • Visit Retail Clinics or Urgent Care Centers. They are cheaper than standard hospitals. You can also go to free clinics.
  • Learn how to deal with collectors if you don’t pay your bills. Ask them to pay only a part of the debt. They might forgive you the rest. Make a plan of repaying the debt, and offer it to the collector.
  • If you have low income, consider emergency financial assistance. Search for organizations and government programs that can help you with medical bills.

Guide to medical debts

Government programs to help pay medical bills

Your health should be your priority because, without your health, you have nothing. Don’t ignore your medical bills, and try to pay off them on time. If you can’t afford medical bills, don’t be ashamed to apply for government or charity programs.

Emergency financial assistance is available for patients who don’t have an emergency fund to pay medical bills. Government programs that can help you with medical bills are:

  • State Medicaid offices – Medicaid is a health insurance program for both children and adults. It helps patients with low-income
  • State human service agencies – offers its help to other organizations
  • Local Department of Veterans Affairs – helps veterans
  • Find local help, visit this site HealthCare.gov
  • Benefits.gov website connects you to many governments programs
  • Medicare’s Prescription Drug Program and Local health centers.

If you are not qualified for government programs, you can choose charity care programs.

Organizations that help pay medical bills

Here are organizations and charities that can help you with medical bills until you recover from financial problems:

It is hard to handle financial crisis. Be careful, and don’t make bad decisions. Avoid paying medical bills with credit cards. Consider other available options to get rid of debts. Don’t hesitate to ask an expert for help to pay medical bills.

How to transfer money from India to the USA?

There aren’t many options for sending money from India to the USA. Many companies won’t do this transfer. You can choose Ria, Xoom or Transfast money transfer. I will compare these services and help you decide which service to use.

Ria money transfer to India

Ria is a large money transfer service established in New York. With this service, you can send money to more than 130 countries worldwide. The money will be delivered in minutes or days depending on the payment and payout method you choose. You can send up to $3000 per day. If you decide to send money, you need to create an account. It is easy and will take you only a couple of minutes.

This company offers you many payment methods. You can pay online, by phone, with your bank account, credit or debit card, and cash. The fees can vary depending on the country you send money, an amount you want to transfer, and the payment method. If you choose a bank account as the payment method, you will pay the lowest fee. You can find a calculator on Ria’s website, and estimate the charges for transferring money.

For transferring 10000 INR to the USA exchange rate will be 1 INR = $0.015. You can choose bank deposit or cash pickup as the payout method. A transfer fee doesn’t depend on the payout method. It varies depending on chosen payment method.

Payment method Transfer fee
Bank account $3
Credit Card $6
Debit Card $5
Cash $9

The cheapest option is paying with your bank account and the most expensive with cash. (more…)

A review of Remitly money transfer solutions

Remitly is a worldwide money transfer online solution that permits people in the U.K, Canada, and the U.S to send out funds to different countries throughout the globe. By utilizing a digital platform, Remitly is offering its customers a much safer method of cash transfer at very low cost. It’s a mobile-optimized service that allows you to send money abroad either by using the native app installed on your tablet or mobile phone or utilizing the firm’s funds transfer digital service. The services are readily available in both Spanish as well as English.

It is easy to pay for your cash transfer. Remitly permits you to pay using credit card, debit card, or bank transfer. Your recipient could have funds transferred in their local money into their bank account, or receive the funds at one of 10s of thousands different collection points.

Remitly Fees

The transfer costs charged are fairly cheap generally due to using mobile apps and also web solutions, but just what makes it much more attractive is the excellent exchange rates on currency exchange. Right here are the information of the two major kind of services delivered by the payment provider:

Remitly Fees

  • Economy Service: To make use of this solution you can use your account for the payments of cash transfer. This solution calls for 3 to five days to transfer funds to the receivers as well as costs extremely less or sometimes no-cost.
  • Express Service: To make use of this service the payments are made through either debit or credit card. As compared with Economy service the fees are higher and there might be card handling fee added. The money is transferred to the receivers instantly after the payment is made.

Different aspects controlling your entire cost:

  • The sum of money you move
  • Where you are transferring the cash to
  • Method of payment
  • Means of getting the fund by the recipient

Exchange rates given by Remitly

Exchange rates are really affordable at 0.5% to 1.5% lower than the mid-market rates. Remitly gives you entry via its on-line account to visit and check the existing exchange rates for the nation you wish to send your cash to. There are numerous aspects that determine exchange rates:

  • Quantity of fund being transferred.
  • The country where cash is acquired
  • The way the cash transfer is being funded.
  • Kind of delivery at the recipient’s end
  • Sort of Service used.

Customer’s take on Remitly

As reported by Trustpilot review articles, Remitly is “Great”. Out of above 2100 feedback, 20% have actually given it four or five stars securing its rating at 8.8/10.

  • The firm’s money transfer services have actually been ranked as inexpensive and prompt
  • Clients are extremely delighted with just how easy it is to utilize the service.
  • Customers praise Remitly for being trustworthy as well as efficient
  • Clients were extremely pleased with the company’s client service.

Couple of criticisms of the services were additionally stated by the customers as:

  • Few consumers had to wait to get their cash back after the cancellation of transfer.
  • More than assured time to get the cash by the recipients.
  • Some consumers stated concerning there being a lot of requirements.

Less than 8% of all customers gave a one or two-star score. In the feedbacks to the dissatisfied customers, Remitly offered to help them out of the problem. When locating the reports valid they additionally provided to return the handling cost to the clients.

Is Remitly safe?

Remitly is signed up with the U.S Department of the Treasured as a Money Services Business along with is likewise accredited in the U.S as a cash transmitter. The authorities of U.K and Canada with the exception of the province of Quebec has also granted the company to run its services. Remitly always takes additional care of security of money and essential information of its clients in subsequent means:

  • They validate all accounts utilizing various techniques in order to restrict fraud and also to maintain them safeguarded and also risk-free.
  • In order to send out money clients have to initially state certain recognition docs.
  • Automatic and manual recognition approaches are utilized along with risk management procedures for spotting as well as getting rid of account activity that is doubtful.
  • Solid technical safety and security.

A 100% fulfilment assurance is extended by Remitly or you will certainly be given your money back. In cases of unsuccessful or cancelled operation the whole amount is paid back to you without any reductions. Post the transfer, if you notice the solutions to be not up to the mark your entire payment will certainly also be refunded to you.

Remitly has the backing as well as monetary strength of market players including DJF, QED, Trilogy Equity Partnership, Jeff Bezos (CEO and Founder of Amazon), and also Tomorrow Ventures. They have actually done exceptionally well in making more than $100 million from large financiers among them being International Financial Corporation (IFC) which belongs to World Bank Group. Investor as well as investors checked out the company as being a reliable, secure as well as well-run service for carrying out global cash transactions and transfers.

Is Remitly safe?

Remitly has actually been expanding extremely quick as well as has increased its customers and also revenue every year from 200% to 400%. Each year over 2 million purchases are accompanying the worth of transfer of over $1 billion.


WhatsApp icon on the screenThe messaging giant WhatsApp is near to launching on the online transfers tool to their customers. If examinations will pass successfuly WhatsApp will release the functionality to individuals throughout the world. The brand-new function functions off a widely-used electronic settlements system established by UPI

Exactly what is UPI?

Unified Payments Interface (UPI) permits simpler real-time transfer of loan in between checking account utilizing smart devices. UPI will entirely get rid of any kind of enhancement of a recipient together with the account number and also IFS Code, as the innovation calls for simply an online take care of for immediate peer-to-peer repayments. (more…)

RIA Money Transfer OfficeRia, part of Euronet Worldwide, claims it’s the third-largest cash transfer business thanks to its representative network of over 314 thousand areas throughout 144 nations. Established in 1987, Ria presently allows you send out cash online and also personally to United States as well as worldwide locations. Along with its web site and also representative places, the business runs Walmart2Walmart loan transfers for sending out money in between US Wal-Mart areas.
Ria’s on the internet transfer costs as well as foreign exchange rate markups have the tendency to be a little far better compared to typical compared to the various other 10 top-level carriers that we assessed. Its distribution choices consist of financial institution down payments as well as money at representative pick-up areas, however the schedule of both differs by nation. (more…)

TransferWise Messenger BotSending money overseas can be cumbersome and costly, especially when you want to do it via banks or money transfer agents.
In our modern age, when everybody and their dog are connected to the internet, there isn’t any proper online foreign money transfer possibility that would save you from waiting in line at your bank.

TransferWise, one of the leading companies in the finance technology sector is just about to revolutionize sending money overseas. Their new chatbot for Facebook Messenger will soon enable its users to transfer money to their peers without having to leave their Facebook Messenger app. All you need in order to qualify for this facility is to be a TransferWise customer. (more…)

P2P money transfer how it works Over the course of my career, I found myself having to send money overseas to businesses I’ve hired for outsourcing. I didn’t really think about the most cost-effective way to transfer money internationally. That was until I realized that a lot of money went to middlemen. After some research, I discovered peer-to-peer transfers. Since then, there was no turning back.

P2P money transfers have increased in popularity over the past few years. More people realize that they banks and brokers aren’t their only options when it comes to transferring money overseas. And the primary driving factor for the shift is the noticeable savings compared to more traditional methods of sending money abroad. (more…)

TransferWisePayPal and Skype are certainly among the most reliable modern advancements today. Among the technical developers were Taavet Hinrikus and Kristo Kaarmann, citizens of Estonia. The two brains came together again to found TransferWise in 2011. They were driven by the need for an affordable international money exchange service, as the existing transfer fees were very high.

When the idea was proposed, a number of investors threw their weight behind the company. They include PayPal’s co-founders Pater Thiel and Max Levchin. Other investors are VALAR Ventures, Kima Ventures, and Index Ventures.

TransferWise review

TransferWise operates on a peer-to-peer exchange basis, meaning that two individuals exchange currencies between themselves, without necessarily going through an intermediary, such as a bank. HM Revenue and Customs duly registers the company in the United Kingdom.
Similarly, the Financial Conduct Authority of the United Kingdom authorizes TransferWise to send and receive money transfers just as ordinary banks do. In February 2012, the company made transactions worth €10 million, saving customers some €500,000 in bank fees. In 2014, renown investor Sir Richard Branson and Peter Thiel boosted the company with a $25 million investment. You can learn even more at this Transferwise review website.

How does it work?

TransferWise acts as the coordinator between two like-minded people who want to exchange money from one currency to another. Imagine you are in the United States and you want to pay fees for your daughter in India. You can use TransferWise India to exchange your dollars for Indian Rupees with a person who, for example, needs to pay rent in the US.

TransferWise FYCK Advert
It is ideal for expatriates who need to send money to their loved ones. Similarly, take advantage of the service to send payments to your business associates in a foreign country.

Is it safe?

A number of leading independent reviews and media outlets have recognized the company for its outstanding performance. During the 2012 edition of Seedcamp’s US Demo Day, TechCrunch named TransferWise as the leading start up to watch. The following year, the company took the top position in the Best E-service category in an Estonian contest.
During the same period, London Loves Business, a UK magazine named TransferWise the most innovative seed company in finance technology. The Guardian picked it as one London’s top 20 trending IT start-ups. In addition, Wired UK once named the company as Start up of the week. These are just a few testaments to the fact that TransferWise is safe and you can trust them your money. (more…)

Travelex reviewWhile most online money transfer services are safe and reliant, not all are trustworthy. Therefore, you need to choose your preferred service provider carefully when transferring money from one country to another. This is because there are shoddy services that charge hidden fees.

With the explosion of internet money transfer, swindlers have flooded the internet. While avoiding being ripped off by the service, take heed of dodgy individuals who pretend to help you transfer funds only to steal your hard-earned money.

Travelex international payments

Luckily, there are several trusted companies operating across the world, such as Travelex. It is one of the leading companies in Europe. Today, the service covers 177 countries where it accepts the transfer of cash in 48 different currencies. Apax Partners is the parent company that owns and controls Travelex. The controlling group appointed Hafiz Changani and Michael Phillips as the Directors.

The company set base in 1976 in London and has since expanded its tentacles to all corners of the world. Today, Travelex operates retail centers in 27 countries. The next time you are traveling abroad, you need to check out Travelex currency services for a fast, hassle-free money transfer. Like many other services, there are intermittent delays occasioned by the conversion of money from one currency to another. (more…)

MoneyGram reviewMoneyGram is among the premier overseas money payment services in the world. Not only is it one of the oldest, it is also one of the trusted payment systems. It has gathered so much experience from its rich history that there appears to be a MoneyGram vs. Western Union competition. Having set up base in back in 1940, it has an impressive 60-year portfolio in money transmission across different continents.

MoneyGram overview

Over the past decades, MoneyGram payment systems have grown to become a household name. Its headquarters is in Dallas, United States, and has 347,000 agent locations around the world. It is listed in NASDAQ Stock Exchange and trades under the name MGI. At the end of December 2013, its annual revenue was $1,474.4 million signaling a net income of $52.4 million. Thomas H. Lee Partners and Goldman Sachs have a 51% ownership in the company.

MoneyGram how does it work

Money gram how does it worksYou could make online money transfers, money transfers, money orders, bill payment services, and pre-paid services using MoneyGram. The MoneyGram rates depend on the location you are sending money from and its destination. Any MoneyGram money transfer under 100 is calculated on a percentage. You will be charged USD 12 when exchanging USD 100 to GBP. In addition, you will be charged UD 397 when converting USD 10,000 to GBP. (more…)