When those bills come in from your doctor, hospital, lab, or insurance company always look over them twice to make sure that everything is correct. Taking the time to go over these bills could help you to find mistakes immediately--and spot many costly mistakes.
Here are some ways that you can make sure that you're not being overcharged:
1. Review your Bills Thoroughly: Make sure that all tests and procedures that are on your bill are accurate (and that they were even performed). Make sure that your bill is not just a "summary" but identifies individual charges--if you do receive a summary, request an itemized invoice. When you do request this invoice; make sure that you're not charges as hospitals are not allowed to charge you for itemized invoices.
2. Ask Questions: Healthcare bills can be very confusing. There are so many codes and medical terms that are used, and its very easy for clerical errors to happen that result in the wrong billing code. If you see something on your bill that you can't understand, call the company that billed you and ask what it means. If they give you the run around or don't explain it properly, call your insurance company for an explanation.
3. Paying the Bill Late: Waiting until past the due date with medical bills can make you incur additional fees, so always pay your bill on time if it is correct. Also, make sure that your insurance company has paid their portion of the bill before you pay your portion.
4. Not opening your bills: Don't ever assume that your insurance company has taken care of your bills--always open them and go over the charges. Sometimes healthcare providers may not bill the insurance company and send the bill directly to you, in which case you must file a claim with your insurance company. Other times, providers may bill the wrong insurance company. You always want to open your bills to make sure that they have been paid in order to avoid being reported to credit bureaus for non-payment.
5. Accepting a Denial from your Insurance Company: When your insurance company denies a claim, file an appeal. Ask them why the claim was denied, and have the claim reviewed. A lot of times a reviewed claim will give you a better chance of the insurance company changing their minds.
I hope that these tips will help you to catch any costly errors on your medical bills in the future. Another way to save on medical expenses is to get a FREE Prescription Discount Card.