Finding a way to reduce your financial responsibility for hospital bills is a detailed and time-consuming process. But it is a process that you should undertake, given the fact that medical bills are often plagued by errors that result in significant costs for patients.
REQUEST AN ITEMIZED MEDICAL BILL
Often the bills you receive from hospitals are limited in the detail they provide. They are typically confusing and don’t provide an easy way for you to decipher what was charged, what was paid by your insurance, and why you owe what they say you owe. Requesting a detailed, itemized bill will allow you to see every service charged. This makes it easier to spot areas to dispute, including services that weren’t provided or charges that appear to be exorbitant (like $25 Tylenol charges).
Don’t pay your bill until all of your questions are answered. Some of them might need to be addressed to your insurance company while others might need to be directed to the facility. Don’t let anyone tell you they can’t provide the substantiation of the charges. It is your right to have access to ALL information concerning your account. If necessary, work your way up the chain of command until you are satisfied.
Facilities often provide immediate payment discounts, cash-customer discounts, and other discounts based on your financial circumstances. Ask about payment options….it could save you money.
SEEK THE ASSISTANCE OF AN EXPERIENCED MEDICAL CLAIMS ADVOCATE
When all else fails, speaking to a medical claims advocate could open doors to savings. Advocates with medical billing experience often uncover little-known billing procedures that have inflated the cost of your care. Utilizing their expertise can results in savings for you.