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Three in ten adults in the United States seek medical bills help elsewhere because they experience problems in dealing with their own insurance companies. That's essentially what the study of a non-profit organization, released in November 2010, found out. The problems range from the complex and circuitous paperwork, insufficient payment from their insurance companies to denied claims.

The disparity is not that different compared to other countries like the Netherlands and Germany, for example, which record 20 and 23 percent, respectively. One interesting finding of the same study revealed that senior citizens above 65 years old are less likely to complain about their insurance compared to those 65 years old and below. It doesn't necessarily mean they are not being shortchanged by their insurance health providers, maybe they just don't see the need to report the matter anyway.

But this is not about benchmarking with other first world countries to get better rankings worldwide. This is about helping poor American families get better access to care or provided with medical bills help.

Here are the other revelations of the survey conducted by The Commonwealth Fund:

U. S. families don't have equally quick access to doctors when they get sick compared to Switzerland, New Zealand, U.K. and the Netherlands which report of families getting health service on the same day they visit the hospital.Other first world countries are more likely to access post-care service than in the U.S.The problems extend to patients getting to see specialists, compared to other countries in the survey which reports quick access to specialists in less than a month.

What are the implications of the study? It essentially tells you that if you are sick in the U.S. and you are a member of the lower class, you are on your own regardless of whether you have insurance or not.

You really have to be creative in seeking medical bills help because as the report revealed, the health industry is so convoluted it leaves plenty of elbow room for insurance companies to wriggle around their agreements. If your health insurance provider fails you, you can go to the hospital directly and ask it has a charitable program to cover people like you or seek medical loan at affordable rates. as the last recourse, seek protection from the court by filing bankruptcy claim.

M. Baylor, of Hurst Texas, grew up with both parents as doctors. Laws concerning medical care governed his fascination as he grew up. As a paralegal in Allmand & Lee, Marcus maintains an informative blog about medical bill debt, medical litigation, and the latest in the health care reform bills and government programs.

The Secrets About Medical Bills blog seeks to address all sorts of legal questions that people have on the subject. Providing insight and alternatives for those saddled with medical debt and issues that arise through no fault of their own, Marcus seeks to bring help to people who suffer financially due to health issues. Visit Marcus's blog to find out the latest legal tactics used to fight on behalf of the patient against health insurance companies.