Help With Bills
Need Help With Bills?
Mounting medical bills can seem like an insurmountable financial obstacle for many families. In fact, 62% of all bankruptcy filings are related to medical expenses and three-quarters of those families have health insurance.
And yet, it’s estimated that 30% to 40% of all medical bills contain an error. Some advocacy groups even place that value at a staggering 80%. Before you pay that hefty medical bill, get some help and check these 3 things to reduce and help with your medical bills.
1) Review for Insurance Errors
It may seem like a lot of work, but carefully review each doctor, lab or hospital bill and match it against the Explanation of Benefits statement to see how much was covered by insurance. Review your insurance policy and make sure both the hospital and your insurance are working under the same guidelines. Also, don’t get discouraged if you are denied coverage for a treatment or drug. Your medical plan should outline the dispute process, and your doctor’s office may help to get the bill covered or know of alternatives.
2) Look for Duplicates
Check your bill for duplicate items. On the Itemized Bill each charge will have a unique line; if you see multiple charges for medications or procedures, circle them and ask the hospital’s billing office. The most common items double billed are bundled items. If you see individual items like shampoo, soap, toothbrush, etc. and you see a charge for “room and board” ask the office for help with the bill.
3) Check for Upcharges
Review if your hospital bill includes procedures that are more expensive than the service actually performed. Also, check to make sure your bill doesn’t include procedures you never received. Upcharges are often clerical mistakes, but can make $1,000 easily end up $10,000. Ask your physician to confirm the services and help review your bill.