On May 25, NPR published a story entitled “WhyYour Health Insurer Doesn’t Care About Your Big Bills.”
Basically, this is about a patient who worked in the insurance industry, so
understood all the lingo, and was horrified that he was being charged for
services he hadn’t received, and way overcharged for other procedures. Not only
didn’t his insurance care about the costs but the hospital sued him as he was
responsible for a 10% deductible.
I posted this story to my Facebook page and
have been amazed at the number of people who have commented about having
similar issues. Since even with the best coverage, many people are responsible
for paying deductibles, it’s in our best interest to review medical bills and
“haggle.”
Consider the following
•
Before you have a procedure, surgery etc.
-
Find out what the real cost is, so you have a reasonable number to
use when starting a discussion. Check your insurance carrier’s website. Use
sites such as Healthcare Blue Book, and New Choice Health to get a better understanding of costs.
-
Visit the billing person or the manager
of patient accounts at the doctor’s office or hospital. You can ask if they
would consider adjusting the price to make it more affordable for you. Some
providers will charge less if you pay immediately.
-
Inquire about outpatient surgery center
versus inpatient surgery
• If you’ve already had the procedure or emergent
care etc.
-
Check your medical bill for errors. You
have a right to ask for an itemized statement and audit it for unnecessary
charges such as double billing and unexpected hospital fees. To learn more how
medical billing works, plus how to interpret your bill, check out Understanding Medical Bills.
-
Negotiate Afterward: Ask for a discount.
Hospitals will consider this as getting something is better than nothing. “Go up the chain of command, calling the billing manager or the vice
president of finance and so on, building a relationship with each person by
telling your story. Make sure you write down every person’s name, title, and
contact information; the date and time you called; what you asked; and what
each person said. If you reach an agreement, get it in writing.
-
Don’t pay by credit card if you are
looking for a discount as it puts you in a weaker bargaining position.
-
Inquire about a payment plan
-
If you aren’t getting anywhere, call in
a pro. Sometimes condition specific health organizations can direct you to
someone who can help advocate for you. Depending on where you live, senior
health groups can provide a patient or medical billing advocate.
Learn
More
Absolutely, it's crucial to be proactive about medical bills. Research costs, discuss pricing, and scrutinize bills for errors. Negotiate if needed, keep records, and seek help if you're stuck. Your health and finances matter
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