What to do if you have problems with paying medical bills - ForumDaily
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What to do if you have problems with paying medical bills

There may be difficulties in paying medical bills, especially if you have to figure out what the insurance company covers and what doesn't. NBC 6 talked to a woman who wrote medical bills for 343 000 dollars.

Фото: Depositphotos

“It's a big bill. We dreamed of buying a house, but how can you buy a house when you have a bill like this,” said Jennifer Talavera.

The woman received bills for the care of twins, which was carried out by medical staff in the intensive care unit for newborns.

On the subject: What to do if you got a medical surprise bill

“It causes a lot of anxiety and stress. How will I deal with this? How can I take care of my children?” Talavera explains the situation.

Journalists studied the woman’s bills and found out that she received such a bill for child care in part because one of the doctors was out of the network of partner medical institutions covered by insurance, and the second doctor was indicated as if he was not in the network.

“I would never choose an out-of-network doctor for one of my children and an in-network one for the other. So I don’t even understand how this could happen,” says the woman.

If you suddenly find yourself in a difficult situation with medical bills, then there are a number of steps that you can take.

“If you have health insurance, you essentially have a contract between you and your health insurance company,” said attorney Patrick Sullivan.

Sullivan says it’s important to know what is included in the insurance affiliate network and what is considered offline in your health insurance contract.

“You should look at your insurance policy to see what is covered, what the deductible is, and whether there is co-insurance that you will need to pay before the insurer pays some of your bills,” the attorney explained.

It is not easy to avoid paying for medical services that are provided outside the affiliate network.

“In emergency care, people don’t have the ability to choose who helps them. And emergency doctors are not included in the insurance partner networks,” says the lawyer.

Sullivan notes that in emergency situations you may be asked to sign a “benefit allocation” form.

On the subject: How to reduce the bill for treatment in an American hospital

“There are fine print on the form that few people read, especially in an emergency. This gives all providers rights to demand payment under this agreement,” says Sullivan.

If you are examined by a doctor who is not part of the affiliate network, the service provider has the right to demand payment from your insurance company and, possibly, from you. If you receive an unexpected invoice, it often indicates that you can negotiate payment with the supplier or file an appeal with your policyholder.

There are laws to help reduce unexpected bills. This year, federal requirements have obliged hospitals to quote prices on procedures and supplies online. In the 2016 year, Florida state law came into force, which limits unanticipated accounts in certain cases.

If you need help understanding your rights, Sullivan suggests contacting a medical attorney.

“And if you just talk to an attorney for 15 minutes, it can help you better understand your rights and options, because this is a very important point,” Sullivan said.

If you cannot afford to pay the bill, contact the hospital or billing organization, this may be useful.

Some hospitals have financial aid services that can help if you cannot afford to pay the medical bill.

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