It is possible to fight a medical bill or reduce the burden through various tactics if you’ve tried all of the appeals with the insurance company.
Its important to learn how to negotiate with insurance providers and healthcare companies about medical bills.
Work with them to find a solution that will help you pay your bills without sending them to debt collectors and damaging your credit. This might include an interest-free payment plan, a discount for paying the full balance immediately, or another compromise solution.
Using tools such as Healthcare Bluebook can help you determine what your area’s fair price is for various treatments. There are often financial assistance programs at hospitals; ask if there is one.
In addition, you can hire a medical billing advocate who can help you reduce your costs by spotting fraudulent, abusive, or erroneous billing practices.
Medical bills are estimated to have errors in approximately 80 percent of cases, despite sounding outrageous. The majority of medical billing advocates will also negotiate on your behalf with healthcare providers.
Do your best to be persistent but polite, and keep good documentation of your contacts, including their contact information and the date. Talk to each other as soon as possible. Don’t procrastinate.
Having a bill sent to a debt collector damages not only your credit, but it is also effectively out of your healthcare provider’s control, making it harder to negotiate.
What are the steps I need to take to switch insurance plans?
You Have Several Coverage Options
The Marketplace/Obamacare plan
An Obamacare or Affordable Care Act health insurance plan can be purchased through the Marketplace. Plan and price information can be found here.
Medicaid
Medicaid may also be available to you, depending on your income. Here you can find out if you’re eligible and apply.
COBRA
Usually, if you’ve been laid off recently, you’ll be able to continue the same insurance your employer provided for you under COBRA. In general, COBRA is much more expensive than Marketplace insurance, but it allows you to keep your current coverage.
Contact Insurance n You
Should you wish to apply through Insurance n You, our team can assist you in navigating the Marketplace. Our licensed agents can assist you in comparing plans. You can contact the Insurance n You Team at 1800-486-9138. If you would like to apply online using our free health quote tool below.
