If you’ve had a denied claim appeal, be prepared to provide documentation. It’s important to have a doctor write a letter explaining why the procedure was performed and why it was medically necessary for you. The letter should also explain what could have happened if you had not had the procedure. I recently overturned a case that […]
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So you have an emergency, but the insurance company is claiming that it wasn’t medically necessary. This is their retaliation to the No Surprises Act, which was passed January 2022. The health insurance companies are now claiming that many ambulance trips are not needed. In fact, the National Association of EMS, emergency medical physicians, they have been warned
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Hospital billing advocacy can help you determine whether a denied medical claim should be corrected, appealed, reduced, or paid before the balance moves deeper into collections. A hospital statement can look final even when it contains coding problems, missing insurance adjustments, duplicate charges, or an unresolved coverage issue. Paying too quickly may close off opportunities
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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
Medical Bill Negotiation Scripts for Insurance and Collections Read More »
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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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
How I Had a $9,000 Medical Bill Written Off Read More »
Setting up payment plans may protect your monthly budget, but agreeing too quickly can leave you paying a medical bill that should have been corrected, reduced, or covered by insurance. A denied claim can create immediate pressure. The provider wants payment, collection notices may be approaching, and a monthly arrangement can feel like the safest
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When a provider considers your procedure to be necessary and the insurance company says, “Hey, it wasn’t medically necessary,” you have to fight to make sure that the insurer does not pass the cost to you. If you can prove that it was medically necessary, your denied claim should be paid. I recently had a case where
A $54,000 Medical Bill Written Off After Denial Read More »
Medical debt collection laws can affect everything from collection calls to credit reporting after denied medical claims and unpaid healthcare bills. Across the United States, many patients feel trapped between health insurance denials, rising balances, and aggressive collection notices without fully understanding the legal protections that may still exist. That pressure can escalate quickly. A
Medical Debt Collection Laws and Your Patient Rights Read More »