Solutions
Solutions to the
Healthcare Expense Problem
What You Need to Do before your First Encounter with a Medical Provider
Whether you are going to a hospital emergency room, a doctor’s office, or a medical imaging facility for x-rays or scans, you will first be presented with an all in one form for your signature , often on an electronic pad..
What is a Fair Price for the Medical Services Received?
Medicare, the government’s insurance plan for people disabled or 65 or older, sets prices for the services it funds. These prices are typically much lower than what either an uninsured person is charged, or what a commercial health insurance company negotiates in the private sector of the economy.
Finding the lowest prices for scans , tests,
and treatment
Prices vary greatly for the same types of images or tests or procedures performed in different types of facilities. If you either have no insurance or have a high deductible insurance plan..
How to Reverse an Insurer’s Denial of a Request for Treatment
Taking the time and energy to write the necessary appeal of a denial of treatment can be daunting but necessary. If your doctor has recommended that you see an out of network specialist, or have a certain procedure which your insurer still views as experimental, you will have to meticulously document the need and the credentials of the specialists you want to see and the success rate of the procedure your doctor is recommending.
How Individuals Can Challenge Exorbitant Medical Bills After Treatment
When you get your first bill, realize that it may well be erroneous and/ or you that you may be able to negotiate a lower price. Professional patient advocates frequently find overbilling errors in as much as 80% of the bills they review for their clients.
How to Deal with Debt Collectors
If you are facing medical debt collection, do not ignore it. Your hospital or other provider may be chasing you for the money, or they may have assigned or sold your debt, often at a steep discount off face value, even pennies on the dollar, to a professional debt collectorif you have not paid your bill within three to six months after initial presentation.