Medical bills are something no one likes facing. Many people dread seeing their medical bill statement, even if they have health insurance. Some people are surprised to find out what their health insurance refused to cover. There are common mistakes associated with this that could potentially save you money. If you struggling with bankruptcy as a result of medical bills, consider hiring a Chattanooga bankruptcy lawyer who can help.
AVOID THESE MEDICAL BILL MISTAKES
There are several common medical bill mistakes people can make. One of the early mistakes is not being aware of how their health insurance plan works. For one, becareful about rushing into the first health insurance plan you see. Comparing and researching different types of health insurance can save you money.
The last thing you want to do is make monthly payments on a health insurance plan that will hurt you more than help you. Different health insurance plans work for different people depending on their income level, health care needs, and frequency of doctor visits.
If you only go to the doctor once or twice a year, then you may not need the most expensive health insurance. Whereas those who do may want to purchase the best health insurance. The next most important thing to do is learn about how the health insurance plan will work. Know the deductibles and what is covered versus what is not covered.
There are also several ways to cut medical expenses that can help you save money. Look into discounts like GoodRx and ask your doctor about these discounts. You can also ask your doctor about cheaper medication options like off-brand medicine. When you need surgery, check with your doctor about cheaper options like outpatient clinics.
Instead of rushing to the emergency room, consider whether you could make it to a walk-in clinic. Saving up money for future medical emergencies can also be helpful.
HOW TO CORRECT MEDICAL BILL ERRORS
Not everyone realizes that they do not have to settle for errors made on their medical bills. If you see a medical bill error on the statement sent to you in the mail, call the number provided in the letter. This may mean calling the provider or insurer.
Explain what the error is and what evidence you have to support your claim. Be prepared to provide details and exact numbers. Sometimes the wrong billing code is entered, resulting in more expenses on your part. In many cases, if you remain firm on your claim, the billing agency will correct the error.
You can also try explaining why you are unable to pay the full amount. Some medical bill collectors will work with you to reduce the cost or create a flexible payment plan.
BANKRUPTCY LAWYER IN Chattanooga, TN
Falling into bankruptcy because of medical bills or other expenses can be terrifying. Start by contacting us today at Tom Bible Law by dialing (423) 690-7712 for a consultation about your financial situation. Our team of Tennessee bankruptcy attorneys is ready to assess your current situation to explore all your options. We are located throughout the Tennessee cities of Chattanooga and Tullahoma.