LUMAR HEALTH

3 Questions to Ask Before Paying Any Medical Bill

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Navigating medical bills feels like trudging through a swamp—every step is heavy and uncertain, leading to dead ends of confusion and frustration. Just when you think you're making progress, you're pulled back into the mire of paperwork and cryptic statements. With confusing terminology, unexpected charges, and the stress of dealing with health issues, it's easy to feel overwhelmed when that envelope arrives in your mailbox.

But before you reach for your checkbook or click that "Pay Now" button, take a deep breath. Asking the right questions can save you from overpaying and protect your financial health. Here are three crucial questions you should always ask before paying any medical bill:

1. Is this bill accurate?

Before paying, always request an itemized bill from your healthcare provider18. This detailed breakdown allows you to:

  • Verify that the dates, providers, and procedures listed are correct

  • Check for any duplicate charges or services you didn't receive

  • Compare the billed services with your medical records

Remember, an estimated 80% of medical bills contain errors1. Taking the time to review your bill thoroughly can prevent you from overpaying.

2. Does this bill match my Explanation of Benefits (EOB)?

Never pay a medical bill until you've received and reviewed your EOB from your insurance company. The EOB outlines:

  • What the medical provider charged

  • What your insurance paid

  • What you're expected to owe

Compare the EOB with your medical bill. If the amounts don't match, something is wrong1. Contact your healthcare provider's billing department and your insurance company to investigate the discrepancy.

3. Are there any financial assistance options available?

Before paying, explore potential ways to reduce your bill:

  • Ask about financial assistance programs offered by the healthcare provider

  • Inquire about discounts for paying in cash or setting up a payment plan

  • Research the "insured rate" for your service and ask if the provider will honor that price, especially if you're uninsured

Remember, it's always worth asking about your options. Many healthcare providers are willing to work with patients to make bills more manageable.By asking these three questions, you can ensure you're paying only what you truly owe and potentially reduce your medical expenses. Don't hesitate to seek help from a patient advocate or your state's Consumer Assistance Program if you need additional support in navigating complex medical bills.