A medical emergency can be one of the most difficult things to deal with. It can make you feel stressed out and exhausted. Getting an insanely high medical bill can just add to the stress and cause more harm to a family that is already suffering.
However, disputing a medical bill is a solution to this problem. So, how do you go about it? The first step is to properly organize a plan that you can follow. Following these crucial steps will help you to avoid paying out more than you owe:
1. Note down everything.
Start by collecting sufficient evidence so that you have the documents to dispute the bill. This means that from the moment you get the faulty bill, you’ll have to note down every receipt, email, phone call, text message, and so on. You’ll need all of this evidence to make a strong argument in your favor.
2. Contact the Doctor in Charge of the Patient.
The doctor that is responsible for you will be able to tell you all the tests done, procedures followed, and equipment used. Another reason why this step is necessary is that your doctor can stop the bill before it goes to collections. This will give you more time to get in contact with an attorney and pursue further steps. Remember to get in contact with your doctor and set up a meeting as soon as possible; the longer you wait, the harder it will be to dispute the bill.
3. Ask for an Itemized Bill.
When you get a medical bill it’s probably going to include just the final summary of your medical expenses. On the other hand, an itemized bill details every single item or procedure that was used along with a price tag for each of them. This way you’ll be able to properly pick out whether you’ve been billed for extra items, which will help you figure out exactly why the bill is so high.
4. Go over the Details with your Insurance Provider.
Medical insurance providers are used to dealing with these cases. They’ll be able to get in contact with the hospital and figure out exactly what went wrong. Like most of the other tips on this list, you must get in touch with your insurance provider as soon as you get the faulty bill. This will allow them sufficient time to dispute the bill.
5. Take the Opinion of an Attorney.
Dealing with a case like this becomes more of a legal matter than a financial one. When you’re disputing a medical bill, an attorney will help you to set all your files in order so that you don’t skip over any crucial evidence. They’ll also go over all the steps that you need to take and tell you exactly what you have to do. Remember to get in contact with a lawyer who is well versed with cases like this so the process goes as smoothly as possible.
People tend to avoid disputing medical bills because they simply don’t want to cause trouble or they just don’t know what steps to take. However, these bills can be fraught with errors that will cost you a significant sum of money and damage your credit score. Just by disputing a medical bill, you can cut down the expense of an already costly surgery by a considerable amount.
Angela Kovacs of Van Buren Township, Michigan is the founder and CEO of Credit Repair Gal. A credit restoration firm in Michigan.