Hospital Provided Incorrect Benefits Estimate
I recently had an MRI at the hospital and was quoted $600, which I paid before the procedure. However, two weeks later, I received a letter stating that I now owe an additional $626.
When I contacted the billing department, it turns out that the staff member who entered my insurance details mistakenly placed a decimal point incorrectly, setting my deductible at $200 instead of the actual $2000.
Now they’re insisting that I pay this unexpected amount. If I had received the accurate estimate, I would have opted for a more affordable cash-priced MRI facility located just a city away.
Is there anything I can do to dispute this charge?
Thanks for your help!
I’m sorry to hear about your situation; that sounds really frustrating. Here are some steps you can take to address the issue:
Gather Documentation: Collect all relevant documents, including the initial estimate you received, any letters or emails regarding your insurance, and the bill showing the additional charge.
Contact Your Insurance Company: Reach out to your insurance provider to explain the situation. They may be able to help clarify your deductible and how it applies to your case. They might also intervene on your behalf with the hospital.
Speak to Hospital Billing: Schedule another meeting with the hospital billing department. Bring along all your documentation and explain how the error occurred. Politely ask if they can reconsider the charge due to the miscommunication.
Negotiation: Sometimes hospitals have financial assistance programs or may be willing to negotiate your bill. Don’t hesitate to ask for a reduction or a payment plan.
File a Complaint: If you feel you’re not being treated fairly, consider filing a complaint with your state’s Department of Insurance or the Better Business Bureau regarding the billing error.
Consider Legal Advice: If the amount is significant and you feel you have a strong case, consulting with a consumer rights attorney may provide guidance on your options.
Review the Hospital’s Policies: Familiarize yourself with the hospital’s policies regarding billing errors and patient rights. This knowledge can be helpful in your discussions.
Hopefully, these steps will help you resolve the issue and avoid paying the unexpected charges. Good luck!