Adria Gross - Medical Bill Advocate

Negotiating Out-of-Network Charges After a Claim Denial

Negotiating out-of-network charges can prevent an unexpected medical bill from becoming a long-term financial burden, especially when your insurance company has denied all or part of the claim. The balance may look official, urgent, and nonnegotiable. Yet it could reflect an incorrect network classification, a processing error, an unlawful surprise bill, or a provider’s full […]

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If You’re Appealing a Case-Do This

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If you’re appealing a case and you, your healthcare provider, or the facility can settle the payment amount before the dispute ends, you can move forward if both parties agree to a reduced bill or to pay the agreed amount in full. If you and your provider or facility reach an agreement, be sure to notify

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How Your Insurance Works with the No Surprise Act

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Your insurer may have decided not to pay part or all of your claim. If you think this decision violates the No Surprises Act, appeal your bill. Follow the process described in your health insurance plan’s documents and the denial notices. Learn more about your rights under the No Surprises Act. If you receive a bill and have

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Discount Strategies for Uninsured Patients With Medical Bills

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Discount strategies for uninsured patients can reduce a medical bill substantially, but the best time to ask is before paying, financing, or accepting the provider’s full charge. Being uninsured can make every medical statement feel final. The bill may arrive without the negotiated discounts insurers receive, leaving you uncertain whether the price is fair or

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Why Ask for an Itemized Bill When Denied Medical Claim

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If you receive a balance bill or believe you are overcharged, request an itemized bill and dispute the charges. Ask the provider or hospital for an itemized bill with all billing codes listed. Your billing codes should be five-digit procedure codes. Make sure you’re not relying on a hospital bill that only shows three to five numbers or

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Saved Over $13,000 With This

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If your dispute was decided in your favor, but the provider is still billing you or has even sent your bill to collections, I highly recommend you reach out to MedWize, my company. We will review your situation and let you know what the next steps should be. A case like this happened recently, where I saved

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Charity Care Qualification After a Denied Medical Claim

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Charity care qualification could reduce or eliminate a hospital bill, even when you have health insurance and the insurance company denied your claim. A denial can make the hospital’s full balance feel immediate and unavoidable. You may be urged to begin payments, use a medical credit card, or accept responsibility before anyone explains your financial-assistance

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How I Had a $9,000 Medical Bill Written Off

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I hope you’re having a fantastic afternoon. Eighty percent of medical claims are incorrect. There are often errors where procedures appear on your bill that never occurred, or you might find duplicate charges or incorrect charges. Please contact me if this happens to you. I recently had a case where a client was being billed $9,000, and

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What is an Insurance Claim Denial?

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Have you ever gone to the doctor, submitted your claim, and got a letter saying your insurance won’t pay? That is a denial. It means your insurer has rejected the claim, either for a service they say isn’t covered or for some other reason. It doesn’t always mean you’re stuck with the bill, but it does mean

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Hospital Financial Assistance Programs

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Hospital financial assistance programs may reduce or eliminate a medical bill, even when you have insurance and your claim has been denied. A denial can leave you staring at a balance you never expected to pay. The hospital may suggest monthly payments or a medical credit card, but accepting either option too quickly could make

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