I’m here to help you with all issues related to medical bills. Medical Insurance Advocacy, my company, helps you navigate the system, review medical records, and negotiate with providers and health insurance companies. I’ve been in the health insurance industry for 35 years and have been very successful in overturning cases. I was recently featured on Fox News […]
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Scripts for negotiation conversations can help you stay calm, ask better questions, and avoid agreeing to pay a denied medical bill before you understand what happened. A billing representative or collector may sound certain that the balance is yours. Yet the claim could contain coding errors, missing records, uncredited insurance payments, or charges that qualify
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A medical provider has to give you a good faith estimate of your costs before you receive services, and you can dispute a bill if it is significantly higher than that estimate. I recently had a case where a dentist told my client the bill would be $8,000, but they were actually charged $22,000. By referencing
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Here are different reasons you can dispute a bill. You can dispute a bill if you received care and did not have or did not use your health insurance to pay for it. You can also dispute it if, before receiving care, you told the provider you would not be using insurance. Another situation is if you
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When to settle vs fight a denied medical bill depends on one critical question: Is the balance legitimate, or are you being pressured to pay before the claim has been properly reviewed? A fast settlement may end collection calls, but it can also make you pay for an insurance error, illegal surprise charge, or inflated
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The No Surprises Act has been helpful in overturning cases and reducing fees when a patient is responsible for part of a bill. It provides protection against surprise bills from out-of-network providers or facilities. I recently handled a case where a client went to the emergency room and, after being denied three times, I reduced the bill
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If a provider is unable to inform you about the cost of services in advance, or if the insurer claims the treatment was not medically necessary, you may have grounds to challenge the bill, and in some cases, your provider may need to reduce it. For example, if an ambulance takes you to the emergency room
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Working with collections agencies requires caution when the debt began with a denied medical claim. The collector’s demand does not prove that the bill is accurate, properly processed, or legally collectible. Collection calls can create pressure to pay immediately, reveal financial information, or accept a settlement before you understand the account. That urgency may cause
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No matter what the outcome of your bill is, your cost will not increase if you dispute the bill. When you receive care, there may be items or services your doctor could not reasonably have anticipated. In those cases, whoever reviews your claim may determine that the cost of care was appropriate and leave your bill
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I hope your day is as good as mine. If you have a case that is in collections while you are disputing a bill, your provider or facility cannot move your bill into collections. They also cannot collect any existing late fees on unpaid bills until the dispute process ends, and they cannot take action against you
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