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MEDICAL DEBT HELP

Medical debt is past due medical bills from diagnosing, treating, or preventing an illness or disability. It is often caused by unexpected illness or emergencies, even for people with health insurance, which is why medical debt may be treated differently than other types of debt on your credit report. TJC helps families on TennCare understand their rights, identify billing or coverage problems, and find the next step forward.

1 in 5

Tennesseans have medical debt on their credit report.

UNDERSTAND YOUR MEDICAL BILL

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Verify medical billing, coding, insurance claims, and spot possible mistakes before you pay.

MANAGE YOUR

MEDICAL DEBT

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Learn about negotiating bills, protecting your finances, credit reporting, and preventing debt from getting worse

HOSPITAL FINANCIAL ASSISTANCE

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Some hospitals offer financial assistance programs that may reduce or even forgive medical bills if you qualify.​

RESPONDING TO DEBT COLLECTORS

 

Understand your rights, what debt collectors cannot do, and how to dispute a debt.​​

​TJC may be able to help if you applied for TennCare or CoverKids when you received care but never received a decision, were denied coverage even though you believe you qualify, or your coverage start date is incorrect.

DO YOU HAVE A MEDICAL DEBT STORY YOU WANT TO SHARE?

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If medical bills, insurance problems, or debt collectors have affected you or your family, TJC wants to hear from you. Your story can help us better understand what Tennesseans are facing and advocate for stronger protections.

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