Dispute Incorrect Medical Bills or Denied Insurance
If you have a health insurance claim that is wrong it can be a lengthy process to get the claim corrected. Additionally, you may need to fight with the insurance company if they have denied coverage for a service or procedure. You should begin with a notebook to record the results of each conversation you have with personnel. You should carefully check all of your medical bills to try to save money on your healthcare. If things are filed incorrectly, you may end up paying extra because it falls under an unexpected category.
Call Your Insurance Company and the Hospital
Call the insurance company and the hospital regarding the dispute. If you are disputing an incorrect claim, then you need to request a complete copy of all services that were billed for. Be sure to ask for an itemized bill so that you can see each service that you are being billed for. You also need to request that an inquiry for the claim. Do not be surprised if the staff is disbelieving that you did not receive the service.
Find Documentation About the Bill
Next, you need to collect the documentation to prove that you did not have the service done. The sooner you do this the better. You may need your doctor to write a statement regarding what was actually done. You should also note the name of your nurses and any other information that you may need. The papers you received when you checked out of the hospital and clinic may help too.
Take the Complaint to the Next Level
Wait for the results of the inquiry to come back. If they still claim that you received the service, you may need to refer it to their supervisor. Once you have worked through to the top level you will need to request a meeting in person to discuss the discrepancy. It rarely gets to this point. You may also need to contact a lawyer if this does not work. Keep your insurance informed during this entire process. If the claim is expensive, they may assign you a caseworker to work with on this.
Check Insurance Codes on the Doctor and Hospital Bills
If you are working to have a service covered when the coverage was denied, you will need to talk to both the doctor and the insurance agency. You may find that something was simply coded incorrectly, which is a simple fix. It is often frustrating because you are dealing with two companies that have a lot of paperwork and bureaucracy to deal with. Document every phone call with the results of the call and the date.
Avoid Disputes by Getting Pre-Approved and Using In-Network Providers
To avoid confusion on getting your bills paid you should make sure that you get all necessary procedures preapproved. Often the doctor will do this, but you can call the insurance company to make sure that it has gone through. A quick phone call can save you a lot of money in the future. The day before the procedure, you should call and double check that everything is approved by the insurance company. It is always good to check yourself so you are not hit with an unexpected bill if the claim is denied.
Sometimes a hospital is on the in-network list, but some of the doctors there are not. Anesthesiologists are notorious for this. You should contact your insurance company and the hospital beforehand to find out the options to help you pay the lowest amounts for these services. You will need to check to see if everyone involved in your procedure is pre-approved.
Shop Your Procedures Around
You can work on paying less for your medical expenses, by shopping around for your procedures through your insurance company and by calling around. There may be specific deals that have a specific urgent care doctor set up as a primary care provider or you may not have to pay extra for an x-ray if you go to an independent urgent care instead of one connected to a hospital. Although this may seem like a lot of work, it is less expensive than going without health insurance.
If you do not have medical insurance, you should shop around before you have anything done. You can also work out a payment plan with the hospital. If you can't afford health care, you should speak to the hospital before you have anything done. Many hospitals will lower the cost if you do not have insurance and may be willing to work out a payment plan with you. These deals vary by hospital and it is worth calling several in your area to find the best deal, especially if you do not have insurance.