Did you know that the leading cause of bankruptcy filings is often due to overcharged or denied medical expenses? It’s really crucial to be cautious before putting a medical bill on your credit card, unless you are certain that you’re liable for that full amount. If you’re struggling to pay a bill, consider contacting the
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I understand you’re facing a denied insurance claim for an $8,000 bill, which has now increased to $10,000 due to interest. Please keep in mind that for emergency room visits, you generally should not be charged more for out-of-network services than what an in-network provider would cost. I recommend contacting MedWise so we can review
Medical Bills Should Have Reasonable and Customary Charges Read More »
When you receive a medical bill, it’s really important to review it carefully to ensure it accurately reflects the care you received. Always look for duplicate charges or any other errors. If something on your bill seems incorrect or raises questions, start by contacting the provider’s billing department for clarification. If you don’t get a
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When clients reach out to me regarding an outstanding medical bill, my first question is always, “Are you in collections?” It’s really crucial to avoid the situation, because once a bill goes to collections, settling the case becomes significantly more challenging. If there’s an error on the bill, you can approach the provider directly to
Are You In Collections With Medical Bills? Read More »
If you are uninsured or underinsured, you might be eligible for financial assistance directly from the hospital. The Affordable Care Act, ACA, mandates that hospitals maintain a written financial assistance policy, that’s called an FAP, financial assistance policy, and an emergency medical care policy. These programs can potentially offer you free or reduced cost medical
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I hope this is not happening to you. Are you about to lose your job? What are you going to do for health insurance? Are you entitled to COBRA? Well, what’s COBRA? It’s a federal law offering temporary health coverage continuation after certain life events. Well, who is it for? It’s for employees, spouses, and
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You had an emergency hospital visit but never got a bill until a $30,000 collections notice shows up. Don’t panic. Confirm the debt. Ask the collection agency for a debt validation letter. You have the legal right to do this. Request it in writing within 30 days after you receive this bill in the mail.
A Debt Validation Letter Can Stop Collections Read More »
Have you ever heard of a facility fee? A facility fee is an extra charge that hospitals add to cover overhead costs such as equipment, maintenance, support staff, and security. Even if the visit is virtual or at a hospital-owned outpatient clinic, they might have these additional fees. So patients often unknowingly agree to these
What is a Facility Fee on Your Medical Bill? Read More »
In July 2025, a federal judge ruled medical debt can be included on people’s credit reports. That overruled a Consumer Finance Protection Bureau proclamation made in January of 2025. Had medical debt been left off of credit reports, it was expected to result in the approval of roughly 22,000 additional mortgages each year. Right before President Biden left
Can Medical Debt be Included in Your Credit Report? Read More »
Too often when denials occur, we have to go through multiple appeals to resolve the issue. I often ask for help from the media because, many times, that is the only way the insurance company pays the claim. Last summer, I was published in NJ.com, and the article came out in September 2024 about a $25,000 denial
How I Used the Media to get a $225,000 Medical Bill Paid Read More »