Some surprises can be fun. A surprise $5 bill in your pocket. A surprise hard-to-get table at your favorite restaurant. But other surprises – such as an enormous medical bill – can be devastating.
Big bills can happen to anyone
No matter how hard you try to use the approved providers, or stay in-network, unexpected medical bills can crop up at any time. This is especially true when having any type of procedures done at a hospital. That’s because doctors and hospitals bill differently; just because one is covered doesn’t mean the other will be. That means these providers are often able to “balance bill” patients, charging them the full amount that insurance wouldn’t cover.
What can you do to avoid surprises?
It’s possible your huge medical bill is unavoidable. But before you assume that, there are a few things you can try. First, examine any bills you receive closely. Double-check all charges – some may be duplicates, or for services that weren’t even performed! Second, see if you can negotiate with the provider. If they learn you can’t pay them the full amount, they may be willing to accept a lesser one.
Working with a health insurance broker can minimize the chances of unexpected bills. If you’re in the market for a new policy, get in touch with a broker today!