RELATED: How to Fix a Credit Card Error Before It Impacts Your Credit Report Permanently If you notice a potential error, ask your doctor’s office about it. They may be able to resubmit your claim with corrected coding. “I also recommend asking your insurer how a procedure needs to be coded to get covered,” says Donovan. RELATED: 8 Savvy Ways to Save on Pricey Prescription Drug Costs
How to Prevent Problems
Know your network. A common way to rack up charges is by using an out-of-network provider, since your insurance usually only covers a smaller portion of the cost, if anything. For any visit or procedure, check that the provider or lab is in-network. Before an emergency, know which hospital in your area is in-network (but be aware that some doctors working there may still not be on your plan). Discuss your policy with your benefits department or call your provider to get clarity. Have a cost conversation. Ask your doctor about cost-effective alternatives, suggests Donovan. If doctors know that budget is a concern, they may opt for a more affordable treatment or a generic drug. Be your own advocate. Take notes at your appointments (and the appointments of anyone you care for) and ask if you can record the visit. Note what was done and any treatment directions so you have a reference if something strange appears on a bill. RELATED: How to Manage a Mountain of Medical Bills When a Health Crisis Occurs
