Unexpected medical costs might pop up after an ambulance ride, ER visit, sudden hospital stay, or even a planned doctor’s appointment or procedure. Sometimes, you can’t compare prices before getting care, or the bill might include unexpected fees. Surprise medical bills happen a lot in the US because healthcare prices aren’t clear. Insurance networks and covered services can be confusing, leaving people puzzled by their bills. If you or someone you care about is facing this issue, these tips could help sort out unfair charges and handle the rightful ones.
Request itemized bills
Request detailed itemized bills from your healthcare providers instead of summaries. Carefully examine each line for any errors. When it comes to procedures you didn’t experience consciously, making it difficult to confirm accurate billing, ask for your medical records and cross-reference them with your bills. Further, It is always recommended to partner with any best medical billing company in Illinois for financial management and deal with surprise medical bills, it does not only help healthcare practices overcome billing issues but also helps them focus on their core competencies.
When reviewing your bills, look for:
- Incorrect dates of service.
- Duplicate charges.
- Fees for services or medications you didn’t receive.
- Unreasonable charges.
You may feel like they have the upper hand, but remember that you’re the customer. You deserve to be billed accurately and to understand what you’re paying for.
Denied Insurance Claims
A study by the Kaiser Family Foundation looked at rejected insurance claims on HealthCare.gov. Insurers said no to 17 percent of claims in 2021—about 48.3 million claims.
Why are claims denied? Services not covered or missing permission are common reasons. Sometimes, it’s because the info on the claim is incomplete. But only 2 percent were denied due to medical necessity, says Kaiser.
What happens next? People challenged about 1 in 10 denied claims. 2 in 5 of those won.
How to appeal? It depends on why they said no. If the bill has the wrong code, your provider can fix it and resubmit. But challenging a correct bill won’t work. The same goes for services your plan doesn’t cover. If your claim lacks info, follow what your insurer says to add the needed details.
For denials about medical necessity, show proof. Bring medical articles and a note from your provider.
“Engaging with Insurers: Appealing a Denial” by the Patient Advocate Foundation gives more help on dealing with this.
Dispute Unfair Charges and Talk About Prices
Different places charge different amounts for medical services. Hospitals can be much more expensive than doctors’ offices or clinics.
To pay less for a service not covered by your insurance, you can try talking to your provider. Show them prices from other places as proof. Compare costs on websites like ClearHealthCosts, FAIR Health Consumer, or Healthcare Bluebook.
If you get a crazy bill, Eric Tom from Blue Ocean Wealth Solutions says it’s a good idea to talk to the provider and try to make a deal.
For example, if you find out that an ambulance costs $2,235 in your area but got billed $4,500, you can ask your provider to match the lower price.
If you’re charged an out-of-network rate, ask to pay what they charge people in their network or what uninsured folks pay. You might get a discount if you pay right away.
If your income dropped because of your health, you might qualify for help or a discount. Don’t hesitate to ask.
And if nothing works, ask for a payment plan. Paying bit by bit can help you handle bills without them going to collections.
Get support from experts and helpers for surprise medical bills
Handling sudden medical costs alone can be too much, especially when you’re sick or looking after someone you care about. It’s a common situation, but there are ways to get assistance. Here are some options:
- Medicare Rights Center: They help older adults and people with disabilities understand Medicare through a free helpline.
- National Association of Healthcare Advocacy: Find professional healthcare advocates for hire using their advocate directory.
- Alliance of Claims Assistance Professionals: They vet experts who help with insurance claims and patient support.
- Hospital’s patient advocate: If your bill is from a hospital, ask to talk to their patient advocate. This person can help you with bills and insurance.
- Your employer: Your workplace might offer patient advocacy as a benefit.
Also, a financial expert can give advice and create a money plan for handling expenses no matter if you are a primary care clinic or any other specialty.
Know Your Rights: No Surprises Act Explained
The No Surprises Act gives new protection across the country. Before, only some people in certain states had these protections. This law started in 2022 and affects nearly all employer and individual health plans.
When you go to a hospital or place in your insurance network, your insurance has to cover unexpected charges from out-of-network providers. This means you only pay what you would if they were in-network. Out-of-network providers can’t bill you for the extra money, stopping the unfair ‘balance billing’ practice that causes surprise bills.
Remember, the No Surprises Act doesn’t cover short-term plans, people without insurance, or ground ambulance services.