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cover of episode Healthcare Hacks That Could Save You Thousands on the Journey to FIRE

Healthcare Hacks That Could Save You Thousands on the Journey to FIRE

2025/4/22
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BiggerPockets Money Podcast
AI Deep Dive AI Chapters Transcript
People
A
Amberlee Grant
J
Jared Walker
主
主持人
专注于电动车和能源领域的播客主持人和内容创作者。
Topics
Mindy Jensen: 美国高昂的医疗费用是通往财务独立道路上的一大障碍，会影响人们退休计划，特别是对于那些已经退休或即将退休的人来说，医疗费用的不确定性会让他们不得不继续工作。 Amberlee Grant: 我生孩子时也遇到过类似问题，医院账单让我感到震惊，这突显了医疗费用与个人财务之间的密切关系。在加拿大，医疗费用是可预测的，这让我感到安心。 Jared Walker: 我创办DollarFor的初衷是为了帮助人们应对医疗紧急情况带来的财务危机。起初，我通过众筹的方式帮助当地家庭支付医疗费用。后来，我发现《平价医疗法案》(ACA)要求非营利性医院提供财务援助计划，但许多患者对此不知情。我通过TikTok视频宣传医院财务援助计划，帮助很多人减免了医疗债务。现在，DollarFor已经帮助人们减免了超过8300万美元的医疗债务。 即使不符合医院慈善救助条件，也可以通过协商降低医疗账单。如果手头有现金，可以直接与医院协商结算金额，通常可以获得30%到50%的折扣。如果手头没有足够的现金，可以要求医院提供详细的账单，检查是否存在错误，并据此进行协商。许多医院的慈善救助计划比人们想象的更慷慨，即使收入较高也可能符合条件。医院账单比其他类型的医疗费用更容易协商。 Mindy Jensen: Jared Walker分享的技巧对财务独立和整个社会都有重要意义。他提到的医院慈善救助计划对很多人来说是未知的，而DollarFor.org则提供了这项服务。对于那些已经退休或即将退休的人来说，利用现金支付、协商结算金额、检查账单错误等技巧可以有效降低医疗费用。此外，还可以寻求朋友的帮助，共同应对医疗账单带来的压力。

Deep Dive

Chapters
The unpredictable cost of healthcare in the US is a major concern for those pursuing financial independence, potentially delaying retirement or causing anxiety after retirement.
  • Unpredictable healthcare costs are a major obstacle to achieving financial independence (FI).
  • Medical debt is the leading cause of bankruptcy in the US.

Shownotes Transcript

Wealth and health) are closely intertwined, especially here in the US, where the high cost of healthcare can put significant financial pressure on families. But is there a remedy to these exorbitant expenses that Americans are missing? Stay tuned and we’ll show you how to negotiate your medical bills—even if you’ve reached FIRE)!

Welcome back to the BiggerPockets Money podcast! Unpredictable healthcare costs keep many would-be retirees tethered to their nine-to-five jobs, but today’s guest has a solution. Jared Walker founded Dollar For, a nonprofit organization that has helped erase over $83 million in medical costs for everyday Americans. How? The Affordable Care Act (ACA) requires many healthcare providers to offer a program that discounts costs for patients, so Jared and his team simply use it to negotiate people’s medical bills on their behalf.

High healthcare costs affect everyone, whether you’re facing hardship, trying to reach financial independence), or already retired. In this episode, Jared will share tips anyone can use to minimize their healthcare costs) and negotiate their own medical bills!

In This Episode We Cover

How to negotiate and lower your medical bills (even if you’re retired)

Saving thousands on healthcare with *this *Affordable Care Act (ACA) program

How to use cash payments as leverage when negotiating medical debt

The healthcare “hack” that helps you spot erroneous or exorbitant charges

The two best ways to proactively minimize healthcare costs

And So Much More!

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/money-633)

*Interested in learning more about today’s sponsors or becoming a BiggerPockets partner yourself? Email *[email protected])

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