If you are having a problem with a bill from a doctor, hospital or other provider, try taking these steps:
- Ask your doctor or hospital to find out what the problem is.
- Find your insurance card and make sure your doctor or hospital has your correct insurance information on file.
- Ask your insurance company to find out what the problem is and whether they can help.
If you are being billed because your claim was denied by the insurance company:
- Ask the insurance company why they will not pay for the medical service or equipment you got.
- Ask the insurance company about your right to appeal. This information should be on the letter from the insurance company that says they denied your claim. Read our information on Appeals to find out more.
- Check your insurance plan or handbook to see if the service you received is:
- a “covered service”
- an “excluded service” (a service that is not covered), or
- a service that needs prior authorization or requires other steps.
- Call your doctor or hospital to see if they gave the insurance company the right information, or whether they can help fix the problem. Your doctor may be able to supply more information to show why the service should be covered by your insurance company. This information may be important if you file an appeal.
- If your billing problem involves two or more insurance companies, read our web page about Coordination of Benefits.
If you have medical debt that you can’t pay, read our information on Medical Debt.