Medical billing is an absolute joke. That is exactly what it is, a big hilariously funny joke. The only problem with that is that it's not a joke...it's a problem. A really big problem. If you have medical problems or medical problems in your family you know what I am talking about. Your insurance didn't pay the bills like they were supposed to or the doctor didn't file it correctly with the insurance company.
There is a huge misconception that it's the doctor to hospital's fault that your insurance isn't taking care of your bill. This is wrong - it is in legal terms your fault. Let me explain. When you sign up for insurance with any insurance company the contract that you sign is between you and them. This means that the insurance that you have is only by law an agreement between you and your insurance company. This in turn means that by law a medical facility doesn't even have to file your insurance. This is technically a courtesy. Of course they will try and file your insurance for you because it helps them get paid easier.
The problem is that when the insurance doesn't go through correctly the responsibility to make sure it gets done correctly falls solely on you. What you have to do is actually put some effort in. You need to do a little research find out exactly what your bill is for. Call up your insurance company and find out why they didn't pay the bill. You will want to continue to bug your insurance company and not bug your creditor. Your insurance company works for you so call them up over and over until they have all the information that they need to process your claim. The earlier you get proactive on this the better because sometimes there is a time limit on whether your insurance company will pay your bill or not.
Another big problem that you have to realize is the complications of multiple bills. Some medical facilities, especially hospitals, will give you tons of different bills all for the same date of service. This happens a lot in hospitals. You go to the emergency room and the next thing you know you have a bill for the doctor that saw you, a machine they used, for the ambulance that took you, for the anesthesiologist, for the EKG, and pretty much anything you can dream up. This is terribly hard to keep track of because you don't always get billed correctly. What you need to do is call the hospital up and give them as much information that you can and call all of the different billing departments. Give them your name, social, address, date of birth or pretty much anything you can think of that would help them look up all of those accounts. After you have done that get copies of all those bills and get them to your insurance company to make sure they all get filed on your claim.
-Don-
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