Saturday, July 16, 2011

Unexpected Hospital Bill, I don't have insurance.?

I recently had a dental surgery. The surgeon told me we needed to book ambulatory time at the local hospital, because the operation could have been to complicated to do in his studio. I was told by my surgeon and the staff at the hospital that my total bill for the hospital would be $2200, and I paid it in full before the operation. After the operation I received few bill from the hospital for a total of 8000. Is there any way to fight it? Thanks
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Even though you don't want to pay it at all, while you are trying to figure out what you can do about this, start paying a monthly amount. This will show you have intent to pay and you aren't hiding from them. You probably signed papers that said you would pay any additional fees incurred etc... Try to keep calm about it and contact the billing offices to get copies of everything you signed, if you don't have copies of them. You need to see all the fine print of whatever you signed before you proceed. If you signed it and agreed to it all, then there really isn't much recourse. The only consolation is that this experience has taught you something at a cost of $8,000. It could save you much, much more money in the future that you have learned this now. On the other hand, if you see that you didn't sign papers to agree to pay any costs incurred, then you have something to run with. Some lawyers will give you a free consultation, so if you get all the paperwork together to lay out all the facts/proof you have in chronological order, perhaps they can help you. Some only get paid if they win the case for you. Another option...if you are able to pay cash, medical offices/hospitals/doctors would rather have cash in hand rather than payments each month, so you could (in writing) ask if they will accept a lesser payment in cash NOW, like $4,000 instead of $8,000 over time by your payments. They often will go for this, because having the cash in hand and not having to bill and go after someone for payment saves them money. Just make sure you get their agreement/response to this in writing. If they accept it, you can save as much as 50% off your bill.
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