

Medical debt spares no one, regardless of age or education status. Even those who are financially stable are facing medical debt. Actually, over 50 percent of Americans who have medical debt don't even have other types of debt on their credit reports. The fear of medical debts can prevent people from seeking the medical care they so desperately need, which can be dangerous. This fear is common because about one-third of Americans admitted to postponing medical care to spare themselves the medical costs.
Having medical debt hanging over your head can create a high-amount of unwanted stress, so it's vital to understand how to pay off some or all of your medical debt.
Review Your Itemized Bill
Have you ever received a ginormous medical bill in the mail and began to panic? Well, that paper bill might not even be correct. A lot of medical providers send you a paper bill showing your total balance owed without the individual charges that add up to your sum total. Request an itemized bill; it's an essential step to take when attempting to reduce your medical bills. Also, if you have a digital bill you can easily access the individual service and fees charged through your medical provider's patient portal.
Once you have access to your itemized bill, it's time to review it. This part can be a little tricky if you have no idea what you're looking for. There are a few things to look for when reviewing your bill, such as are there charges for services that you never received? Did the medical provider bill my insurance correctly? Was I charged for out-of-network services when I'm actually in-network?
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Negotiate Your Medical Bills
As quiet as it's kept, you can negotiate your medical bills. The most important step for successful negotiating is to ask open-ended questions because this will push the provider to reveal the discounts, programs, and waivers that could help you.
Not only is it important to ask open-ended questions, but it's a great idea to incentivize the provider. For example, offer to pay your bill in full if the fees are waived or offer to pay your bill in full if you were charged the same rates Medicare would pay.
If this entire negotiation process seems a bit overwhelming, you don't even need to negotiate with the provider yourself. There are multiple companies that will aid you in lowering your medical bills for a 20%-30% share of the money you no longer need to pay for. This is convenient because if you don't receive any savings, you don't have to pay them.
Apply For Financial Assistance
More than 27 million Americans did not have health insurance, including 58% of low-income working adults and 44% of young adults in the year 2020. If you lack health insurance or your health insurance doesn't provide great coverage for your medical expenses, then you may be eligible for financial assistance.
Many hospitals offer financial assistance, but you need to apply for it. It's vital to apply as soon as possible because most programs disqualify your eligibility for assistance after about 240 days after the medical services were provided. Most applications require the patient to provide a detailed expense list, list of assets, family member information, proof of income, and tax returns.
Payment Plan
Enrolling in the medical provider's payment plan is the most popular method to pay off medical bills. Payment plans are fitting for anyone who wants to make payments on their bill, but can't pay it off in one lump sum payment. The frequency of payment and payment amount is unique to the terms you negotiate with your medical provider. Usually, the entirety of your amount owed is divided into numerous equal payments over a period, until your balance is non-existent.
If you choose a payment plan, make sure not to choose payments that prevent you from paying higher priority bills, since non-payment of medical debt has less immediate consequences than other bills.
Sadly, high medical costs continue to grow every year, which makes understanding how to lower medical costs an important tool every American should have in their toolbox. That's why it's critical to discover the options available to lower your debt, in order to avoid medical bankruptcy before your debt spirals out of control.
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Adrian Marcel On Purpose, Sacrifice, And The 'Signs Of Life'
In this week's episode of xoMAN, host Kiara Walker talked with R&B artist Adrian Marcel, who opened up, full of heart and authenticity, about his personal evolution. He discussed his days transitioning from a young Bay Area singer on the come-up to becoming a grounded husband and father of four.
With honesty and introspection, Marcel reflected on how life, love, and loss have shaped the man he is today.
On ‘Life’s Subtle Signals’
Much of the conversation centered around purpose, sacrifice, and listening to life’s subtle signals. “I think that you really have to pay attention to the signs of life,” Marcel said. “Because as much as we need to make money, we are not necessarily on this Earth for that sole purpose, you know what I mean?” While he acknowledged his ambitions, adding, “that is not me saying at all I’m not trying to ball out,” he emphasized that fulfillment goes deeper.
“We are here to be happy. We are here [to] fulfill a purpose that we are put on here for.”
On Passion vs. Survival
Adrian spoke candidly about the tension between passion and survival, describing how hardship can sometimes point us away from misaligned paths. “If you find it’s constantly hurting you… that’s telling you something. That’s telling you that you’re going outside of your purpose.”
Marcel’s path hasn’t been without detours. A promising athlete in his youth, he recalled, “Early on in my career, I was still doing sports… I was good… I had a scholarship.” An injury changed everything. “My femur broke. Hence why I always say, you know, I’m gonna keep you hip like a femur.” After the injury, he pivoted to explore other careers, including teaching and corporate jobs.
“It just did not get me—even with any success that happened in anything—those times, back then, I was so unhappy. And you know, to a different degree. Like not just like, ‘I really want to be a singer so that’s why I’m unhappy.’ Nah, it was like, it was not fulfilling me in any form or fashion.”
On Connection Between Pursuing Music & Fatherhood
He recalled performing old-school songs at age 12 to impress girls, then his father challenged him: “You can lie to these girls all you want, but you're really just lying to yourself. You ain't growing.” That push led him to the piano—and eventually, to his truth. “Music is my love,” Marcel affirmed. “I wouldn’t be a happy husband if I was here trying to do anything else just to appease her [his wife].”
Want more real talk from xoMAN? Catch the full audio episodes every Tuesday on Spotify and Apple Podcasts, and don’t miss the full video drops every Wednesday on YouTube. Hit follow, subscribe, and stay tapped in.
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Colman Domingo’s Career Advice Is A Reminder That Our Words Shape Our Reality
When it comes to life, we are always here for a good reminder to shift our mindsets, and Colman Domingo just gave us one we didn't know we needed.
In a resurfaced clip from an appearance at NewFest shared as a repost via Micheaux Film Festival, the Emmy award winner dropped a gem on how he has navigated his decades-spanning career in Hollywood. The gem in question? Well, Colman has never identified with "struggle" in his career. Let that sit.
Colman Domingo On Not Claiming Struggle
"I’ve never said that this career was tough. I’ve never said it was difficult. I’ve never said it was hard," Colman said. "Other people would say that—‘oh, you're in a very difficult industry. It's very hard to get work and book work.’ I’m like, I’ve never believed that."
Instead of allowing himself to be defined by other people's projections about their perceptions of what the industry is or was, Colman dared to believe differently even if his reality was playing catch up with his dreams:
"Like Maya Angelou said words are things. And if you believe that, then that's actually what it is. Actually I've just never believed it. Someone told me some years ago, they said, 'I remember you were, you're a struggling actor.' I'm like, 'I don't.'"
"I wasn't attached to a struggle. I was attached to living..."
He continued:
"Even when I was bartending and hustling and not having opportunities or anything, I never believed that I was struggling because I wasn't attached to a struggle. I was attached to living and creating and being curious."
Colman’s philosophy of attaching to living instead of struggle has blossomed into an enduring career. He first made his mark on stage in acclaimed Broadway productions before transitioning to the screen, where his star began to rise in the 2010s following his role as Victor Strand in Fear The Walking Dead. From there, his presence only grew, landing memorable supporting roles in If Beale Street Could Talk, Ma Rainey’s Black Bottom, and the hit series Euphoria.
In more recent years, Colman has stepped fully into the spotlight with standout leading performances in Rustin and Sing Sing, both of which earned him widespread critical acclaim and Academy Award nominations for Best Actor.
With all that said, Colman's advice is no doubt powerful, especially for those who are chasing their dreams, building something from the ground up, or have question marks about what's next in their careers. Words shape our realities, and how we speak about our journeys even in passing matters.
Words Create Our Reality & Colman Is Living Proof
"I tell young people that. To remember the words that you say about yourself and your career are true. So, I choose to make it full of light and love and it's interesting and every day I'm going to learn something new even if it looks like I don't have what I want but it's important to be in the moment... you really build on the moments moment to moment.
"And you're looking back at your career as I've been in it for what 33 years and you're like, 'Wow, that's what I've been doing.' And I've stayed strong to that so I think that is truly my advice."
Let this be your sign to give your path a reframe. When the path you're on feels uncertain, the journey is still unfolding. Like Colman said: "I wasn't attached to a struggle. I was attached to living."
That's a Black king right there.
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