At what amount do insurance companies and hospitals consider a bill a medical catastrophy?
Do you scrounging a catastropic illness? This type of coverage is usually issued to the 50-65 yr age group and have a higher deductible and co-ins or out of pocket to the insured. Your insurance doesn't "charge off". They money according to the benefits you purchased. Most group policies have a maximum benefit of $1 mil. This max is base on what they pay out and not what is if truth be told billed. Most insurances pay a contracted rate to the providers and write bad the difference less your deductible and co-pay amounts. If you use a "non-contracted provider" you may be liable for more out of pocket expenses because the insurance benefits salaried are less. You will stipulation to read your policy to see how your insurance is written. Explanations of Benefits should also give you info on how providers are self paid. If you own questions, sk your agent or HR dept.
Additionally, if you are have trouble paying your portion, check with your local Health Services Dept to see if you qualify for assistance. Sometimes, hospitals enjoy assistance programs as well.
An insurance company considers anything they rate out to be catastrophic, every penny.
As for hospitals, they never truly write off any charge that have not been rewarded. They will eventually stop trying to collect it though.
The reason for this is that hospitals are not-for-profit companies. (That scheme they are out to make money in recent times not a viable profit.) Because hospitals are classified as n-f-p they do not pay income taxes, no levy bill means they hold nothing to write a loss past its sell-by date against, so nothing can be truly "charged off". (Don't verbs their employees still foot taxes through the nose close to the rest of us.)
In your case your husband should be on disability and state salaried medical if you have no insurance. If you own insurance they have to clear everything up to their contractual limit lacking giving you a hard time something like it (you still pay any deductables.) Read your policy, and if they are refuse to pay, go and get a lawyer and sue for breach of contract. You pay envelope the premiums (or your employer) and they pay the bills, if they don't i.e. breach of contract.
First, it depends on your insurance policy. There will likely be a provision for "catastrophic protection". They travel by that, not by any particular situation. They're nearby to meet their contract obligation, not to help a desperate situation.
If your insurance doesn't cover it, hospitals will negotiate on a case by baggage basis.
The final refuge is liquidation. Medical expenses are the leading do of bankruptcy within the US, not irresponsibility.