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Serious Financial Situation... Help Please!?

Hi! I am a 22 year old male who is currently taking college courses online (University of Phoenix) and unemployed. College is my priority and I spend most of my time working hard within my academic career, which is why I have a current cumulative GPA of 3.8. I live in Sicklerville, NJ with my mom and little sister. I have a situation where I went to Jefferson Hospital in Philadelphia, PA for an ENT consultation. I have suffered from a high-pitched/raspy for several years and I would lose and I would often lose vocal power and ability. The ENT at Jefferson diagnosed me with a left vocal cord paralysis and a right vocal cord fold. I have undergone several surgeries, procedures, and forms of therapy at Jefferson Hospital. My insurance has deemed my situation as a preexisting condition because I went for a consultation three weeks before I received medical insurance with Golden Rule (United Healthcare). Now I’m stuck with bills, most of which were already sent to collections. Overall my medical bills for my vocal issue totals over 6,000 dollars and I have upcoming procedure/therapy sessions that will cost me about 600-1,000 dollars per session. I cannot afford to pay off my medical bills because I’m unemployed, and cannot apply for Medicare because I plan on getting a job soon, which will automatically cancel out my Medicare coverage. I’m only 22 years old and have bills amassing several thousand dollars already in collections and I don’t know what to do. I know Jefferson Hospital has a charity (I was thinking of writing a letter), but what are my chances of Jefferson’s charity paying off my medical bills as well as the bills for my upcoming vocal procedures/therapy? I’m really in a bind here and getting extremely depressed over the situation. If anyone has any advice or help for me I would be beyond grateful. Please help me.

Public Comments

1. As a college student you should have been covered under your mother's insurance with your little sister.