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medical bill - Q&A

Anonymous started this conversation

There is a lot of confusion regarding medical bills and insurance. I know, I see it everyday, I work in medical billing. If you are confused, imagine how I feel! I have answered many posts regarding medical bills and insurance and still there is a lot of confusion.

Who pays what?

How do you get the care you need without any money?

What does medicare pay for, if they refuse to pay?

What will my insurer cover?

Why did my insurer refuse to pay?

What information will I need?

What is a prior authorization and why do I need it?

What happens when my child is away at school?

I will try to answer these questions and more and advise on which are the better options for you in regard to your healthcare needs. If you have any questions, please feel free to ask. I will be more than happy to try and get you the correct answer and resolve your issue.

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Anonymous

Health insurance is VERY confusing.

The first thing EVERYONE needs to know is:

CARRY ALL YOUR INSURANCE INFORMATION WITH YOU.

MAke sure your insurance information is up-to-date and your cards are current. If you do not want to carry the original cards with you, then copy the front and back of the cards on a sheet of paper and carry that.

Sometimes people have more than 1 insurance company - bring every card with you - if you cannot figure it out, or simply do not know, the hospital or doctor's office can figure it out for you.

DO NOT RELY ON THE HOSPITAL TO VERIFY YOUR INSURANCE FOR YOU.

While they do have the capability to verify every insurance policy, let's face it there are numerous problems that can happen in the process. Keep your insurance information with you at all times and save yourself a lot of aggravation.

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