How to Dispute Medical Bills and Reduce Your Payment?

Last Updated on January 23, 2024 by Lori Pace

Medical bills are a part of every person’s life. A medical bill will be issued to you or a family member if you go to the doctor, of course. Sometimes, medical bills are incorrect and have additional charges or unexplained expenses. If you have an inaccurate medical bill, here’s how to dispute medical bills.

6 Ways of How to Dispute Medical Bills

1 – Acquire itemized medical bill

Most hospitals and clinics will provide you with a bill that lists the amount of money you owe. To dispute a medical invoice, you must first request an itemised copy. An itemised bill allows you to see the details of each charge. This itemised bill should be viewed line-by-line. Be sure that there are no double charges in your bill. Also, verify that the bill has no coding errors or is incorrectly calculated.

Compare the medical bill to your insurance plan. This will show you the costs that you must pay personally. This also offers you the charges that your insurance policy covers. You should ensure that you are not charged for anything the insurance company must pay.

It would help if you also waited for your insurance provider’s Explanation Of Benefits report. This report details the charges based on specific dates and clinic visits.

2 – Consult your doctor

Talk to your doctor if you believe there was an error in the calculation of your medical bill. They can review your bill again and correct any errors. If your doctor points out charges that should have been covered by your insurance, you can request a letter from the doctor that disputes the insurer’s decision.

When you speak to someone about your bills, be sure to mention their name, designation, and the date. Keep a brief but complete summary of all the decisions made during the conversation. You must promptly address any issues.

Most insurance companies offer a 60- to the 90-day payment window. So, ot paying the bill within the timeframe may affect your credit score.

3 – Talk to your insurance provider

Talk to your insurance provider after carefully reviewing your current health insurance plan. So, you can appeal if you feel you have been wrongfully denied reimbursement or compensation. It would help if you did this quickly. Besides, preferably within 30-60 days of the date, you received the medical bill.

Include your medical records, the letter of disagreement from your doctor with the insurance company’s decision and any other relevant documents. Keep a record of each person you talk to, their name in the company, and any decisions made after each conversation.

4 – Raise dispute with the bill collection agency

So, if the medical bill remains unpaid, you can file a notice with the collection agency.

However, a letter must be sent within 30 days. It should clearly state the reason you are disputing the medical bills. Ask the collection agency for a deferred legal proceeding while the insurance provider investigates the matter.

Send letters only by certified mail. Include a request for return mail. Also, eep a copy of all notes and receipts for postage.

5 – Consult with a medical advocate

If your appeal is denied, you can contact a medical advocacy agent. They work with clients at no cost. In short, these medical advocates will work with your doctor or insurance company. They aim to solve any matter regarding your bill.

For information about local medical advocacy agencies, you can search your community. You can also contact a disease association for information on the closest medical advocacy group. 

6 – Negotiate medical bill with a healthcare provider

You can also negotiate with your healthcare provider if the above steps do not resolve the problem. With proof of income or proof of disability, you can ask for a discount. You can also share copies your bank statements and tax records. You can save up to 20% on your total bill this way.

If you are unable to pay the amount required, your doctor can help you. You can then get in touch to financial assistance programs that help people pay their medical bills. Financial aid may be available to cover a portion of your bill.

Advices of How to Dispute Medical Bills

You can avoid mistakes and errors on your medical bills by carefully reading the insurance policy documents. You can thus prevent out-of-pocket costs whenever possible.

This helps avoid potential disputes between insurance companies, healthcare providers, consumers and other parties. Besides, there are other helps to support your medical bills, especially for Medical Debt Forgiveness.

Lori Pace
Lori Pace

Lori Pace is a single mother of three daughters ages 7 and under. As a working mom from home, she balances kids, work and two crazy dogs with humor and love. Follow Lori as she honestly gives tips and advice based on her own experiences as a single mom!