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For those who are uninsured or under insured, it is difficult to steer away from medical debt when a family member's health demands medical assistance. It is an everyday occurrence in our nation to have medical debt overloads someone's finances. Know what options are available to you and make one work before the debt goes to collections.

For starters, talk to your medical care provider prior to services being rendered. Emergency medical assistance does not lend itself to this option, but you can contact the provider as soon as your health allows. Most doctors are willing to listen to people's situations and will work out payment plans. If the debt is beyond your means, the billing office may negotiate the debt especially for those without or have too little insurance. Call and talk to the doctor's office directly or in some instances, the billing department. With so many people with debt problems billing departments are more willing to work with payment options in order to get paid. If the person you speak to is not aware of a payment option, do not assume there is not one. Talk to other people in the office until you find someone who can work with you.

Some people have found that transferring medical debt onto credit cards makes it easier to pay. This will spread the payments out long-term. A down side to this option is that credit cards earn interest on your balance each month. You will not want to place your medical debt onto a credit card unless you know you can pay it off in a reasonable amount of time. Interest payments add up fast. Another down side to this is if you are planning on applying for Medicaid assistance, any transfer onto a credit card will no longer be counted as medical debt; it will now be credit card debt.