Consolidating medical bills

If there is a charge your health care provider should pay, call the hospital and your insurance carrier so they can adjust your bill. Many insurers limit the time you have to question a benefit—usually 30 to 60 days. It’s no secret that insurance companies can give you the runaround when you question your bill.

Be prepared to hear the word “denial” and fight it.

Explain your situation to them in person, showing your income and what you can realistically pay.

Working with a debt consolidation company means that a representative will contact your creditors and negotiate on your behalf to find a way for you to pay back your debts, possibly with reduced interest rates and no late fees.

When you aren’t panicking, it’s easier to sort through the medical mess. Once you’ve collected your thoughts, you can focus on taking care of the debt. When you receive an invoice, check it for any overcharges or fees for services you didn’t use.

For example, you may have been released from the hospital in the morning but were billed a full day’s rate for your room.

You may be able to get reimbursed for certain medical expenses. The hospital and your insurance provider may have missed some charges your policy covers.

Compare the codes on your hospital invoice with your insurer’s “explanation of benefits” material to see if there are any charges you aren’t liable for.

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