How to Write a Medical Bill Dispute Letter

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If you’ve recently found yourself burdened with stacks and stacks of extremely high medical bills, you are probably worrying about how you are going to pay them. Healthcare in the United States can be costly, and sometimes even the smallest procedures or the shortest hospital stays can cause a financial burden. However, you should never let the accumulation of medical debt, or even bankruptcy, become an option. By writing a medical bill dispute letter, you can begin to resolve some of the issues that make your medical bills seem so impossible.

medical bill disputeSavings will come when you establish the fact that nothing is impossible; not even disputing your medical bills. Each day, thousands of Americans receive bills that they just can’t afford to pay. Each day, a small percentage of those Americans fight these high costs, and come out on the winning side. The only difference between the first group and the second group is knowing how to approach a dispute the right way. Learning how to craft the perfect medical bill dispute letter can begin to ease some of these financial troubles immediately.

Without a doubt, medical bills can be confusing. Unless you’re a doctor, nurse, or similar healthcare professional, it’s difficult to understand where your charges stem from, or which ones might be false. Most often, patients pay their medical bills in full simply because they don’t feel there’s another option. However, even before writing your medical bill dispute letter, it’s important to understand that most bills contain many errors.

Some of the most common mistakes found on medical bills include clerical errors, duplicate charges, billing for procedures that were never performed, and charges for medications you never received. Without carefully evaluating the detailed itemized statement you receive from your provider, you may pass over these mistakes, and end up paying far more money than you should have. If there is an item on your detailed itemized statement you feel you may not have received or was unnecessary to your diagnosis, request a copy of your medical records to verify if this test or procedure was performed and/or ordered. Simply call the medical record department of the hospital or provider and state that you want the medical records pertaining to the days you were under care.

After analyzing your bills and deciding which charges you’d like to dispute, it’s now time to create your medical bill dispute letter. This written notice will be the first step in fighting these disputed charges. Be sure to write the letter as soon as possible and to provide essential details like your account information, details on the charges you’re disputing, and a statement that explains why they are being disputed. Provide any supporting documentation that may be available along with your letter. This medical bill dispute letter will help your hospital or doctor understand why you feel these charges aren’t your responsibility. Therefore, make sure to write your letter in a clear, detailed, thoughtful manner. After all, it’s one of the best weapons against these pricey and possibly fraudulent fees.

After sending your medical bill dispute letter on its way, it’s important to remain patient. The process of disputing bills is never fast or easy, but in the end, it is usually worth it. If you face resistance in the beginning, don’t give up. Countless Americans have successfully disputed their medical bills, often enlisting the help of a medical billing advocate. There’s simply no reason you can’t count yourself among them.

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Pat Palmer
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2 Responses to “How to Write a Medical Bill Dispute Letter”

  1. Barbara Gill says:

    A few years ago, my son-in-law severed an artery in his wrist with a drill. He had insurance, but due to the fact that he had a heart attack when he was 39, he couldn’t increase his coverage or change insurance. My daughter drove him to emergency since his insurance didn’t cover the ambulance. He almost passed out from loss of blood. He was taken into surgery and a doctor sewed up his artery. About a month later, he got a bill for $60,000 for the surgeon (not covered because he was out of network) and $20,000 for the emergency room and tests. The insurance paid less than half of the emergency room. The rest fell on his shoulders. He was making monthly payments (as much as he could). He got a call saying that he wasn’t paying enough and according to their income, that they felt he could pay more. He was so depressed and was working extra jobs to make enough money to cover these bills. They hounded him at work and day and night on his cell phone. He stopped taking his meds and stopped going to the heart doctor. He died of a heart attack at age 51. He needed bypass surgery but refused to be humiliated by anymore doctors.

    • Christie Hudson says:

      I am so sorry to hear about what happened to your son-in-law.

      It is unfortunate that he was unable to upgrade his insurance prior to his accident. However, keep in mind that some insurance companies will pay out-of-network charges in an emergency situation. If that bill still exists, we would be happy to look it over. Give us a call at 855-203-7058.

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