What To Do When Your Medical Bill Doesn’t Match the Services You Received

Shocked Woman Looking At PaperA woman was telling me about her recent visit to a new dentist who wanted her to have a full set of x-rays. She felt the x-rays weren’t necessary because it hadn’t been too long since her last set, and she wasn’t experiencing any pain or particular concerns. She requested to have her teeth cleaned only.

A few weeks later she received a bill from the dentist that showed her portion of the payment due. As she reviewed her bill, she found a charge for x-rays—the x-rays that she never had. She called the dentist’s office right away and asked them to correct the bill. They checked her records, verified the services she had actually received and a few days later she received a new bill with the proper dental work reflected.

This happens. It’s not necessarily that the doctor’s office is trying to pull one over on you, but mistakes happen. That’s why it is important to always review your medical bills (or any bills, for that matter) carefully. Make sure that the services you are being charged for are the services that you received.

Most bills will have a breakdown that shows exactly what is being charged: the service or medication administered, the cost, and how much your insurance covered, and how much is left (if any) for you to pay. If you don’t receive an itemized bill, you can call the doctor’s office and ask for one. You’ll usually receive it within a few days.

Why errors like these happen is hard to say. It could be that the dentist office mentioned above simply printed up their standard “new patient” services bill, not realizing that she had declined some of the typical new patient services. The woman handled the situation exactly as she should have. It was irritating, but easily fixed.

Make sure that you and your insurance company aren’t paying for more than you received. Read your medical bills when they arrive to check for discrepancies.

Your Healthcare Questions Answered

Lori-AnnThis is your chance. You know you have questions about your healthcare, whether it’s how to find the right physician for you, knowing the right questions to ask your doctor, why insurance is so confusing, and so on. Maybe you’re curious about how to handle your caring for your aging parents or deciding when to move them into assisted living. Whatever your question, now is your chance to ask the expert.

I have more than 30 years of experience working with healthcare professionals. I also got my (now grown) daughter through an illness at infancy and helped my dad with his healthcare and assisted living needs. I know how to get through these things as easily as possible and with minimal cost. So go ahead. Ask me anything.

Join me on Wednesday, January 27, 2016 at 2:00 p.m. Eastern for my latest webinar: Ask Lori-Ann Your Healthcare Questions. Register now.

You can bring your questions to the webinar or submit them in advance by email or on Facebook or Twitter.

Can’t wait to connect with you on Wednesday!

 

How can I learn about doctor and hospital quality of care?

Caucasian woman holding baby  and typing on laptop computer in kI get questions all the time about which doctor to visit or which local hospital is the best for certain services. There are many resources available to evaluate care.

First, start by asking your friends, family, and co-workers for recommendations. Hearing the experiences of people you trust offers helpful insights as you research your options.

There are also many websites dedicated to rating doctors and hospitals. Here are two that I like:

Healthgrades (www.healthgrades.com) is a website that allows you to search doctors, dentists and hospitals in your location. Patient satisfaction reviews are available to read comments and you can search doctors by specialty.

The Leapfrog Group (www.leapfroggroup.org) performs hospital surveys and provides comparable results on their website. They assess hospitals on how patients fare, resources used to care for patients, and leadership and structures that promote patient safety.

These are great places to start, but remember to continue your own research. Look at doctor’s credentials. See where they went to medical school, where they did their residency, and where they practice.

I always recommend calling the doctor’s office before committing. Make sure the doctor is covered by your health plan and accepting new patients. (Remember to ask the right question.) Also make sure the receptionist is courteous and professional. A rude greeting could be a sign that the practice is disrespectful of patients in general.

Most importantly, make sure you’re comfortable when you visit with the doctor. It is important that you can be open with your doctor and that you trust your doctor’s advice.

All this month we are answering your questions and we will be answering even more in this month’s webinar Ask Lori-Ann Your Healthcare Questions on January 27, 2016 at 2 p.m. Eastern. Reserve your spot now! Bring your questions to the webinar or submit them in advance by email or on Facebook or Twitter.