Many medical billing problems start because people
don’t understand the basics of their insurance, including deductibles, coverage
limits, and the network of providers. Be sure to understand what your insurance
covers. Also make sure your clinic or doctor has your correct information on
file too. Call the doctor’s office and provide your plan name and group number
to confirm that the doctor is in your network. Check to see which hospitals in
the area take your insurance.
Some
providers send bills before they’re processed by insurance, followed by more
notices. It’s so confusing that many people pay what they don’t owe, while
others wait too long after they get an overdue notice. To make sure you pay
what you actually owe, wait until you get an explanation of benefits (EOB) for
that date of service from your insurer. Look to see what insurance has paid and
the amount that is your responsibility. At that point, you’ll get another bill
from the provider reflecting the insurance payment and the amount due from you.
If you get a medical bill that seems incorrect, call the provider and your
insurer and explain why the bill seems wrong. Do this as soon as possible as
there are time limits on accounts.
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