It is illegal for the doctor or hospital to write off the deductible or 20% that Medicare does not pay. Medicare will take legal action against the provider if they try to do so.
Does she qualify for Medicaid? This isn't a good thing if she owns her own home. Do a goodgle search on Medicaid and see if she qualifies.
It is still possible to get a Medicare Supplement policy, but it sounds like the premiums may be a problem.
I'm not certain about this, but I believe she is only required by law to pay something like $10 per months to each provider to protect herself my medical collections activity. However, there will be a lot of providers. Hospital, surgeon, pathologist, anesthesiologist, etc....
Is she a member of a church? I would sit down and talk to the pastor and see if there is some help there.
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