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Emergency room visits and hospital stays are generally stressful. Unfortunately, the bill you receive a few weeks later can cause nearly as much anxiety as the medical event itself. Understanding your emergency room bill, including what charges are on there and whether they are fair, can help you spot discrepancies and potentially save you money.
The emergency room bill lists the major charges from your visit, including procedures, tests and any medications that were administered. If your bill is higher than expected, the first thing you should do is ask for an “itemized bill” that breaks down every charge. This can help you spot redundancies or absurdly high charges.
Your healthcare provider is not out to cheat you and overcharge you for simple services. However, our medical system is very expensive, and medical billing is an overly complicated process. Mistakes happen. In some cases, those mistakes can cost you money, making it worth your while to check your bill carefully.
Make sure that you were not charged twice for the same supplies, medicine, or tests.
If a fee seems unreasonably high, look for repeating digits or extra zeros (for example, $3,661 instead of $361.) An easy way to spot unfair pricing is by using an online database to check your charges.
FAIR Health – https://www.fairhealthconsumer.org/medical
Healthcare Bluebook – https://www.healthcarebluebook.com/explore-home/
If you spot a fee that seems higher than it should be, you can either identify an overcharge or leverage that information to negotiate a lower charge.
Make sure that the dates listed on your itemized bill match when you were admitted to the hospital. If you were admitted at 12:03 a.m. on Tuesday, make sure that you were not charged a room rate for Monday. Also, if you were discharged from the hospital on Thursday morning, double-check that you were not charged for the entire day.
Durable medical supplies are normal charges on itemized hospital bills. However, items like hospital gowns, gloves or sheets should be part of the hospital’s general operating costs and should not be passed on to you.
If a test was ordered and then canceled, make sure that you will not be billed for it.
Unless you received a second opinion, there should only be one charge for reading tests or scans.
If you brought medication from home and self-administered it, there should not be a charge for it on your bill. Please note, you should ask your nurse if you can take medications from home. Generally the answer is absolutely not. The medical team needs to know what you are taking in order to monitor your response. Also, if your doctor prescribed a generic version of a drug, make sure that you were not charged for the name brand.
If your bill includes charges that you believe should have been covered under your health insurance plan, contact your licensed health insurance agent from Nevada Insurance Enrollment. Our insurance agents can help their customers review their bills and find out why charges have not been paid by your health insurance company.
After speaking with our locally licensed insurance agents to help you to obtain the right coverage you need, you will have the peace of mind knowing that you are properly insured when life complications arise. We work hard to find the most competitive quotes for your needs. Contact us today to begin the process of finding the best insurance plan for your family.
If you feel like you are victim of an insurance scam accident, first thing to do is call 911. Take pictures of the other passengers and make note of who is in the car at the time of the accident. Take pictures of the damage and who was driving and note exactly what happened, along with getting all license plate numbers involved.
Many drivers would not even consider looking into insurance coverage on an after-market audio system. There are a few things to consider, however. Is it covered by your auto insurance?
If your car was hit by someone and they do the legal/right thing by admitting it and paying for it, all is well. The “at fault” driver’s insurance will cover it under their property damage portion of their insurance for your car to be fixed. In the case that someone hits your beautiful new car while you are in the store and drives away, what do you do?
By page visits (this month)
By page visits (this month)
Starting in 2010, a tax credit (different than a tax deduction) could be given to a small business employer who purchased or has/had group health insurance.
Lifetime Limits on New Health Insurance Plans are Now Illegal
Children under the age of 19 Can Not Be Denied Health Insurance
New plans must cover preventative services, we are unsure of what preventative services are covered in full at this time, but there cannot be “cost sharing”