people are talking and we are not even dating - Consolidating medical bills

If you paid more than the total cost, you’ll get a refund.

consolidating medical bills-5

If your total cost for the visit ends up being $4,000 you’ll save $500!

Be prepared for this process to take some time, though.

Read below for tips on exactly how to negotiate your medical debt when you: –Are at a medical facility –Receive a bill in the mail –Already have medical debt One of the biggest “secrets” is that you can negotiate your bill on the spot while you are still at the doctor’s office or the hospital.

The only catch is that you will need to be able to pay cash to make this work.

Once you get this document, go through it carefully to see exactly what was covered.

The Explanation of Benefits will show three things: (A) what was paid by your insurance, (B) what was written off by the provider, and (C) what you may owe.In that case, there are still some proactive options you can use.For one thing, you can always ask for a payment plan so that you don’t have to pay the entire amount at once.This way, you can find out exactly how your provider should have billed you, which will allow you to call back the provider and explain what they should do (i.e. Also, make sure to notify your provider of any secondary insurance you may have (through your spouse or parents, for example) and make sure your provider bills them too before they ask you to pay your share of the bill.After all the steps above, there’s a good chance you may still have some medical debt to deal with.If you find a mistake, call the doctor’s office or hospital and ask them to fix it (and re-bill the insurance company).

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