Medical Billing FAQs
Should I put medical
bills on a credit card?
If you can pay off the
balance of the credit cards without creating
a financial hardship on yourself, credit
card may be an option. However, if you
cannot pay off the debt promptly, be aware
that medical debt is often given more leeway
on credit reports than regular consumer
debt. Once a medical bill goes on a credit
card, it becomes consumer debt and may have
a more negative impact on your credit
How do I check for errors
on my bill?
The best place to located
errors is on a copy of your super bill. This
is a line item detail of the services and
products you received while visiting your
healthcare provider. It can be difficult to
interpret, but the super bill is the most
complete documentation of the care you
received. If you have any questions, or feel
like there may be errors, contact the
provider's billing office.
Who are patient
Patient advocates are people
who speak for patients in instances where
the patients lack the subject matter
knowledge or are otherwise unable to
communicate without assistance. These
professionals can be especially helpful when
negotiating medical bills. For a small fee,
some patient advocates offer services to
review medical bills and negotiate with
providers on your behalf.
What are SOPs?
practices, or SOPs, define what services and
products are provided given a patientís
condition. Sometimes, this means you are
billed for services you may not have
received because those who did the billing
assumed you received them based on the
doctorís notes. So, look over your medical
bills to ensure you were not overcharged for
services you never received.
If a health care provider
tells you that your policy covers more than
it actually does, and then later bills you
for a much larger amount, should you still
have to pay?
When it comes to the
coverage that your health insurance policy
provides, the only way a provider could know
the scope of your specific health plan and
what it pays for is if they called your
insurance company for pre-authorization or
to verify coverage. Providers are required
by law to charge the same amount of money
for the same services. So what they charge
you for a 15 minute office visit has to be
the same as what they charge another patient
for a 15 minute office visit. The difference
is the amount that you will each have to pay
based on your policy and coverage. You can
always negotiate with your provider. The
best bet in a situation like this is to
start by call your providers billing office.
Tell them about the situation and see if
they would be willing to discount your bill.
You insurance company is a good resource as
Are medical bills tax
We're not accountants, so be
sure to check with your CPA, but most
medical treatments, services and
prescriptions that you pay for can be
claimed if you itemize your deductions. The
amount that you can deduct must exceed 7.5%
of your adjusted gross income (AGI).