It’s an all too real worry in the modern world, but excessive medical bills have become part and parcel of people’s concerns when it comes to their finances. There are plenty of stories around about people being charged inhumane amounts of money for treatment. Healthcare costs are on the increase and, of course, for a lot of people who don’t have medical insurance or cannot afford it, it can be a major drain on your finances if you end up having to have treatments. But should you ever challenge a medical bill? A lot of people file for bankruptcy due to medical bills, and one of the big reasons for this is that they are incredibly intimidating and complex. As a result, people seldom dispute their bills. But you can, and you should dispute them. And here are a few ways to deal with this.
Keeping notes of everything, from the very first phone call when you query your bills, all the way through the process, will be reliable evidence, so you know exactly what you are doing every step of the way. If you are speaking with insurance companies, it’s very unlikely you’ll be speaking with the same person twice, so in this respect be sure to get details about the person, such as their name, as well as making notes of the dates and times where you spoke to people.
Look For Errors In The Bill
There may be errors in the medical bills, and this is a common issue. You may pick up on errors in the bill, or overcharges, or even major things that you shouldn’t have been charged for in the first place! For example, being discharged in the morning from a hospital and you check your bill, you see that you’ve been charged for a full day. Some people get overcharged in terms of medication; in this respect, people are charged for medication that they brought themselves from home. So there could be previous errors on your bill.
Challenging The Bill In Person
It could be a very easy and effective method to start off with a phone call, especially if you are questioning a charge from a physician’s office. This requires a lot of patience and persistence to get to the right person, but it can be worth your effort in order to speak to the person who is responsible for your bill. Other alternatives are that you could speak to the billing department and get the ball rolling in this respect. It’s always best to follow up any sort of phone call in writing, the more forms of contact, the better. If you can email it, fax it, as well as send a letter this will get their attention.
Financially, this can be a gamble, by bringing in law professionals to help recover these costs, and then the outcome was not what you planned for, this could leave you further in debt. Of course, it does depend on the individual circumstances, and how you were treated during your hospital stay. There may be things that can be recovered such as injury compensation, but it’s very important to weigh up the pros and cons before hiring a legal expert. It’s important to remember that legal specialists will charge 30% of the savings they achieve.
Do Your Research
If you find that you don’t have the funds to hire a legal expert, then you need to make sure that if you are disputing a charge, that you have the appropriate basis on which to make your claims. In this respect, you need to do your research and find out the costs of procedures to form a basis for comparison to what you were charged. There are online services such as the myHealthcare Cost Estimator, which can give you a good idea of charges for procedures.
Finding Other Methods To Pay The Bill
If there is no way to lower the cost of your medical bills, you may want to find some alternative methods to pay the bill. As so many of us tend to not have an emergency fund in these circumstances, one of the best approaches you can take would be to go on a crowdfunding website and set up a page. There are many high-profile cases that have managed to pay their bills by doing this, and depending on your own circumstances, you may be able to get a lot of financial support.
Paying medical bills is a stress that we can all do without, and while medical debt doesn’t affect your credit score as much as it used to, it can still be a major drain on our finances. So when it comes to challenging a medical bill, you are well within your rights to try and get as much as you possibly can reduced, within reason. You need to make sure that you have a claim that is founded, rather than just trying to retrieve all your money for the sake of it.