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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44 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.

  2. E'dit Martinez D. says:

    Dear Ms. Hudson,

    I stumbled upon your website/forum regarding people who are struggling to pay medical bills. I myself have received a medical bill for which I had to see emergency room on two injured hands. I suffered a dog bite which inflamed my hand and I suffered a door jam with my other hand, both within days. I do not understand how this could happen to me suddenly. I had been seeing my doctor, but the pain led to the ER. I did have x-rays done on one hand because the dog bite injury was caused by my brother’s dog which had never come to the family home. He is a german shepherd. He would have caused more harm or probably would have killed me had not my niece been present to stop him. My total bill is over $1500 dollars and I have called the week following and filed a grievance with the administration office becausae while I was in a patient room, I was given a pain medication called Tramadol. I suffer from dysphagia (swallowing and choking episodes) and have so for years. The tramadol nearly killed me after I read the information about this drug. It was crushed by the nurse and I had taken with apple sauce I brought to keep my throat from closing. I have been carrying juice, fruit sauces to prevent episodes of choking. I read where tramadol must not be crushed and can cause seizures, slow rate, and death. I called for help and asked for oxygen because I could not breathe and my chest felt heavy. She dismissed it as anxiety. The cat scan I had was the same equipment as the first cat scan in another location. Both of these scans were locations of Hermann hospital. I paid for the first one was $52.00 dollars, but I billed an exhorbitant amount for the second one at ER. For all that I have endured with regards to how I was managed and handled does not fit the reasoning of this bill. Now, I have received a letter or bill from an attorney representing the hospital. I would like to know if you recommend andy advice on what I can do to eight fight and/ or dispute this bill. I’ve had no insurance since 2004 for caring for my elderly father. My father recently passed away and I am now caring for my eighty year old mother. I have not generated income in the last few years since my father was ailing until his passing. When I worked temporary in between when my father was stable, I did not earn enough to support a monthly insurance premium. I’ve had to put the most important things first which are my parents. Please help if there is recourse for me. Thank you.

  3. Amy says:

    You are very knowledgeable about fighting bills at the hospital. I am currently trying to dispute bills from the ER. Here is what happened:
    I was planning a home birth but had to be transmitted last minute due to baby having an elevated heart rate. I delivered in the ambulance a mile from the hospital. I asked the EMS to take me back home was informed they had to take me to the ER. When I arrived at the ER I declined any care before they even wheeled me into the hospital. I wanted to go home. THe situation that was emergent had passed and I had two midwifes with me to finish care with me and my new baby. I did not have a car seat with me so my mom went back to my house to pick it up. The ER manager asked if we would go into one of there rooms so we would not be waiting in the halls. I explained that we did not want to be seen and that we could wait outside if needed. He said that he had spoken to his ER director and we would not be receiving care. Later the ER physician came in and I refused care again. No care was ever given to me or my baby. Later I received a bill from both the physician and the ER department. I called the director and she said due to EMTALA laws they had to evaluate me and my baby and that is why I received a charge. No evaluation was given, no one ever laid a hand on me or my baby nor did any evaluating. I have looked into the EMTALA law and saw that you technically are not presenting to ER if you are on a non-owned ambulance. Can I actually fight these charges?

  4. Debra says:

    I wonder about charges by an HMO dentist who is supposed to bill according to the HMO fees correct? How can they collect “co-pays” that my insurance plan states I have ZERO co-pay and charge over the allowable amount for a crown (insurance says $300, they billed me $650). Can you help? I’m only asking for the disputed portion to be returned (I paid in full as they would not do the work any other way). I didnt’ find out the discrepancies until I received my insurance explanation of benefits. When I contacted the dentist, their office staff just kept explaining the charges on the “patient informed consent” that I signed (which I assumed they would bill as experts the insurance allowed amounts). Why otherwise be an HMO practitioner if they don’t abide by the HMO fees?

  5. Chris Trytten says:

    My wife was scheduled by her Dr. for eye surgery at a local hospital for which she was instructed to take no food or water after midnight on the day of the surgery. She took no medicines with her to the surgery, and was dismissed a few hours after the surgery and I drove her home. She is covered by both Medicare and Tricare for life insurance. We were surprised a few months later to receive a bill for medications which were not covered by the insurance since they we called “self administered meds”. She took only what the medical staff at the hospital told her to take IAW the procedure she was undergoing. I challenged those charges and asked the hospital for an audit of the charges so I could determine what and why I was billed for these uncovered meds. They said only “Pay up or we will turn it over to a debt collector immediately.” what can I do so my credit rating is not damaged?

  6. LIsa says:

    On July 29th. I had a vaginal prolapse surgery done, along with that surgery there was supposed to be a bladder sling placed in. the doctor punctured my bladder and couldn’t perform that part of the surgery. In the months to follow my prolapse returned and my bladder issues were worse than before we started this whole mess. I called and went for visits to my doctor a few times within a 3 month span. He assures me this is a normal healing process, he starts me on a medication for bladder spasms, then I started PT to strengthen my pelvis. Within a couple weeks of PT the pain in my back and neck was out of control! They told me it was my back and neck very upset with me trying to fix a deep rooted problem. So, I have learned how to strengthen my back, neck and pelvis in 4 month process. I have accumulated thousands of dollars of medical bills in this 7 month, very long, very upsetting journey . I just don’t think I should be responsible for this doctors mistake. The hospital should disregard my medical bill with them and cover my medical bills that have stacked up from this blotched surgery. Am I right or wrong? What should I do? Thank you, Lisa

  7. Jacqueline Torres says:

    So, my husbands situation is very different but i’m hoping i can get some information if there is anything at all we could do. My husband was on a motorcycle and had a very bad accident with a truck. He suffered broken ribs, broken jaw, broken clavicle and internal bleeding. It will be three years in March and we barely got a notice that the bills were sent for recovery to the Department of Treasury. He was uninsured and the vehicle involved in the accident was insured. We were told that the lady involved blamed him and We are now $145,000 in dept because of this! It is so unfair, i dont know some one who would be pain tolerant enough to take explain an accident at the scene. My husband makes just enough money to get our bills paid and support our two girls. I just hope there is some kind of help.

  8. David says:

    I recently received a bill totaling almost $7000 after I was treated for a sinus infection. I had just gotten a new job and was trying out a high deductible plan because I usually don’t get sick. Prior to that, I was with an HMO for many years. Murphy’s law struck and I needed to seek medical care in a hurry with the high deductible plan. The clinic that I went to sent my lab tests to a lab out of state, and that lab sent me a $5600 bill for the tests. I called the lab numerous times asking for an explanation of the charges on the bill and for them to put the charges on hold, but they refuse to budge. The best offer I got is a payment plan. Even though I was eventually able to change my insurance plan, the insurance company isn’t able to do anything either. Still, paying $5000+ for some lab tests seems a bit unreal. What more can I do?

  9. […] you spot errors or unfair charges, you can call the provider or insurance company, or write a letter disputing the charges. Sticking up for yourself can take a lot of time and energy, but if you think you have a chance of […]

  10. Ron Dinkel says:

    I received a bill from emergency room doctors. I asked about my insurance and they said they were not in agreement with the ins at that time. It was a major ins company. The hospital stood behind the dr. I asked how could I be responsible for a bill when I did not know the dr were not affiliated with my major ins co?
    Any options?

  11. Girish says:

    In 2014 dec my wife underwent tubal ligation and the doctor’s office billed with laproscopic total hysterectomy which was incorrect. This started the saga of contacting my insurance who asked me to work with providers – anesthesia, lab, hospital and the doctor’s office. The doctor’s office realized the mistake whe I spoke to them. The anesthesia company corrected and resubmitted and insurance paid. The hospital refused to resubmit citing they used correct codes. My insurance company asked me to work with hospital to resubmit and I wanted to end the stress and just paid the hospital co pay. I also paid the lab too. Yesterday I received a bill from my doctor’s office asking for payment and the bill statement is still showing hysterectomy instead of tubal ligation. I am fed up and looking for legal course this time around. Is it worth fighting a legal battle? I have retained all bills and Eob so far. Thanks for any advise you can provide.

  12. Jorge Velasquez says:

    Hello Pat,

    I have been for the past few months dealing with an EXTRA charge on my account. I called and the Rep even stated that it was a mistake, I also got a letter stating the same and that it would be removed. YET, I am still getting the bill as “Pay Now, Past Due”
    What or how can I get this resolved… thank you, Jorge

  13. Jordan says:

    I was transported to the E.R via ambulance on FEB 5th 2016 after fainting from donating plasma and being dehydrated. I fell on my face and split open just under my lip, however besides having my lip split open i had no other medical issues from falling. My problem is that, the ambulance chose the hospital they took me to, which happened to be an out of network hospital, and now the hospital is billing me for services received from them. I don’t think because i didn’t willing go to the hospital those charges should fall on me. I also noticed on the bill that they billed me for a cat scan twice and they only did one cat scan. All in all I just feel like its not my responsibility to pay for the cost they are saying i owe them, which is 19k! For some fluids, a cat scan, and to glue up my lip. What should i do??

  14. Nicole says:

    My husband had emergency appendix surgery over 6 years ago and the hospital sent us one bill and then has never contacted us since. We didn’t even get a call from a collection agency to let us know it had gotten that far. We were wondering what your thoughts were on our position.

  15. Dear Pat,

    I stumbled upon your website and I am wondering if you would be able to lend me some advise in regards to a medical billing situation I have recently found myself in. Any advise would be appreciated. I am contemplating disputing some medical charges on a medical bill I received earlier this month. I had to have surgery on my wrist which was outpatient. I have been reviewing the bill and I have charges on there for extended recovery time in PACU, additional charges for being in the operating room, charges for needing additional anesethia. I am questioning those charges. I have contacted the billing department twice about this. They keep telling me that the charges are justified. I beg to differ. No one explained to me why I was in the OR longer. No one has explained to me why I needed to be in the PACU for an extended about of time and I would like to know what there definition of extended time is. No one explained to me the additional need for anesthia. I think I am justified in disputing these charges seeing no one can give me an explain as to why these are on my bill. The charges for these services are ridiculous. I have a bill of $4000,00 that needs to be paid to this outpatient surgery facility. Given the situation I just explained to you, do you think I should disput those charges?

  16. Dear Pat,

    Thank you for your advise. It’s much appreciated. I am in the process of requesting my medical records, this being the operative report and other medical records from this outpatient surgical facility. I want those before I write them a letter about this situation. I will see how far I get and if I continue to face issues with this, I will contact you.

  17. Ivan says:

    Dear Pat,
    Thank you in advance for the exceptional service that you are providing. My son was admitted in the ER due to bruise he incurred in a car accident. While admitting to the ER facility, I specifically asked the nurse if the facility is in my network and they confirmed YES. Little that I know that the facility is different from the doctors who are providing service in that facility. Later I receive a hefty bill ($831) from the doctor for the 5 minute evaluation on my sons bruise and the charge is high because he is not in the network.

    What is my right in this case? Will I be able to dispute the charge and get billed as a in network provider charge ? Please advise.

  18. Misam says:

    Hi Pat,

    I am unsure if this thread is still open. Last year I needed a chest xray and googled x-ray places near my place in Chicago area. I had done a few x-rays in last few years and I have a good insurance so I assumed it was going to be similar charge. This x-ray place (hospital) was accepting walk-ins so I decided to go there. When I got the bill, it was $630 as I was told that hospitals charge more for x-rays than a normal x-ray facility. My insurance paid $175 as I had not met the deductable yet and passed rest of the amount over to me. I feel that 1 this is overprice for a normal chest x-ray (I requested for a detailed bill as the original bill said hospital services). The detailed bill had 1 line saying x-ray. So, the total amount I am asked to pay for a walk-in x-ray is $455. I feel stupid for not doing my homework but I feel that this is an unfair exaggeration of charges. What are your thoughts on this?

  19. Vinod says:


    I got another shock yesterday (1/25/17) as I got another bill from hospital for tests which me and my wife did at the time of initial visit (10/11/2016), I am not sure why we got bill very late but the amount it $670 from insurance.

    I called my insurance provider and they said only 1 test was done as a part of preventive care which was fully covered under insurance and rest of all 6 tests were not part of preventive care.

    When we visited hospital, we asked for only preventive care, we were fit, we just wanted to have primary medical checkup. We thought they are just prescribing the lab test which are part of preventive care, we never thought that we will end up paying huge amount just for primary check up.

  20. Shivani says:

    Hi Pat,

    I delivered my baby via c- section and had to be in the hospital for 4 days. My pediatrician was a from a different town and I delivered in a different town so the hospital provided pediatricians from a 3rd party hospital with whom they had contracted. There was a pediatrician at the delivery. The baby was born healthy with no issues. For 2 subsequent days a different pediatrician came to visit the baby to look at the baby’s chart created by the hospital nurses. On the day of the discharge, another on call pediatrician showed up asked me if I had any questions, looked at the baby’s chart and said we were ready for discharge. All of the daily visits were about 2-3 minutes, including the visit on the day of the discharge. All this while my impression was that these services were part of the hospital stay. After about a month, I received a bill from the 3rd party hospital that provided pediatricians. Delivery attendance – $453, subsequent visits (2) – $263 + $263, discharge day – $430 for a total of $1409. My insurance processed the charges and after applying discounts, said that the allowed amounts were $366, $216, $216 and $378 for each of these services for a total of $1177 that would be billed to me. Now I am really shocked. I can understand the pediatricians attendance at birth. What I did not understand are the subsequent visits by on call pediatricians. My baby was fine and had no issues- should I be responsible for pediatricians on call doing their rounds? I did not ask for them. Secondly, the fee for the discharge services of $430 just seems unreasonable for the MD coming in, looking at the baby’s chart- saying everything is good to go. I looked at the healthcare blue book to review fair prices in my area and each of these services were in the range of $80-$213. What am I missing here? Can I contest these charges? Who can I ask for a break on these exorbitant fees?

  21. Cory says:

    Hello Pat, I tore my Achilles’ tendon back in 2012 I had outpatient surgery insurance through my employer, but I still received $3,000 in bills. They Hve reported these bills to the credit bureau and it is effecting my credit score. How can I get these bills removed.

  22. YOUSSEF says:


  23. Cari says:

    I went to the doctor due to feeling bad. She said she wanted to test me for Rheaumotoid arthritis and Lupus. I received the lab statement and it had listed hepatitis panel. She did not mention these tests and I did not agree to these tests? It was $383 and insurance won’t cover it. What can I do?

  24. Kathy says:

    I had to get CT Scan. I told them I was having kidney problems. And my father was deadly allergic to iodine. They did a test before the scan. Said it was good. Did the scan. Within 6 hours I was itching and broke out. Went to my dr 1st thing in the morning. It was a allergic reaction to the iodine. I looked bad. Blistered. I later found out the test she did before the scan was HIGH. And the ct scan shouldnt of been done. Now heres my wuestion. Why am I paying this bill? The lady that did ct scan caused me this bill and my dr bill after and my drugs that I needed. So am I wrong to think hospital owes me? To at least pay my bills?

  25. James says:

    Hello Pat,

    I am a British national who was sent to ER whilst on a business trip to Minneapolis a few months ago. There is quite a story behind this, but essentially I was sent there by the police after an argument with some door staff at a bar. I was under the influence of alcohol but not inebriated, and I believe jetlag may have played a part as I had only arrived in the US a few hours before.

    I believe that an ambulance was called by a police officer, and after giving a breath sample I was told by the ambulance medic that I seemed calm and lucid but that he had to take me to ER as “the cop said I had to”. Upon arrival at the ER I was ordered to strip, have my blood pressure taken and give a blood sample. The Doctor seeing to me then asked me to walk in a straight line, which I did no problem, and then said “I don’t really know why you’ve been brought in”. I was then released after spending exactly one hour in the ER with a few sheets of paper – one stating that the reason for admittance was “severe alcohol intoxication” which I have disputed all along. I was not told the results of the blood test either, nor was I given the right to refuse treatment which I believe I was entitled too.

    Unfortunately, as alcohol was involved my travel insurance provider has refused to cover any costs so now the hospital is coming after me for $2500 in total ($1400 for a 3 mile ambulance trip and $1100 for ‘treatment’). I feel that the charges are excessive and am aiming to dispute them, particularly considering that the ER doctor said he didn’t know why I was there, but do you think there is any point in me doing so?

    I am prepared to pay something towards the costs rather than try and avoid them completely (I think 50% would be fair), but I could really use some guidance as to whether there would be any point in me trying to negotiate?

  26. Andrea says:

    My son recently went to see a Neurologist for a new patient appointment. It was basically just a consultation and appointments were made for further testing. I had made sure beforehand that the Neurologist was an in-network doctor so that I would only have to pay a $40 copay. This doctor was listed in my insurance directory and I also confirmed that she was in-network by calling the insurance company to verify. I will also add that when I called to make my appointment, I double checked that she was in my network. Her address was also listed in the directory. So I just recently received a bill for 632.40 and I am being told that even though she was in network, because she worked out of a hospital I am still being billed and it is going toward my deductible. I don’t understand why she is even listed as an in network doctor since her location of work isn’t covered as in-network. Plus he had no procedures done to him. We just came to speak to the doctor. So do you think this is something I can dispute?

  27. Melissa says:

    My husband had been sick for almost a week the worst I had ever seen him but he wouldn’t go to the doctor because it would be $350 out of pocket. He finally went to his pcp and she was like you need to go to the hospital immediately. She gave him papers to give to them saying what she found and what she suggested they do. He went to the hospital because she made it sound like he was dangerously sick and that he was going to be admitted. He went to the hospital the did a couple tests and said there was nothing wrong with him and discharged him and now we’re stuck stuck with the bill but to me it seems like either the hospital was wrong(he’s still sick) or his pcp should be responsible for sending him there in the first place. Do you think this is something we should dispute?

    • says:

      Hi, Melissa. We would need to get more information to assist. Could you give us a call at 855-203-7058? Thanks!

  28. Lisa says:

    Last Fall I fell and broke my foot. After going to the Walk-In Clinic and x-rays were taken it was found that I had broken 4 Metatarsal Bones. They gave me a boot and made an appointment for me with a Orthopedic Foot Doctor. The Orthopedic Doctor took another x-ray, felt my foot with his hands and said to just stay off it for 8 weeks. No surgery, No Cast, No re-setting of Bones. I got his Bill and he coded and charged for Each Broken Bone $1140 x 4 = $4560 plus the office visit of $367. I spent a total of 15 minutes with him. Is this fair? How do I dispute his coding? Can they charge by the bone?

    • says:

      Hi, Lisa. Thank you for reaching out! Could you give us a call so that we can get more information? 855-203-7058

  29. Taryn says:

    I recently had to go to the E.R. because a sewing needle that had become embedded in my carpet broke off in my foot. It was apparently amateur hour at the E.R., because the P.A. assigned to me was unable to extract it, even though the xray showed it had broken off right at skin level. she ended up pushing it in much deeper, and they decided I would have to be sent home, and then go to a specialist the next day. the next day the specialist[podiatrist] used a fluoroscopy machine and acted shocked that the needle was so much further in compared to the xrays from the day before. after about 45 minutes he was able to extract it. unfortunately medicaid decided to end my coverage on May 1st, the day it happened. they are refusing to give me an uninsured discount, because I am on disability, and have part A medicare, but not part B. hello, I refused part B because I can’t afford it! last year I sold my house because I could’nt afford the taxes and upkeep, I bought a smaller more modest house, and banked the profit for my retirement. which apparently is why I got kicked off medicaid. but my only income is my disability check. the hospital originally gave me the discount on the first bill, and I paid it right away, but since then they’ve retracted, and now want full payment, over $4000! I disagree with this, since I don’t think I should have been sent to an outside doctor to begin with, and because I should at least be getting the uninsured discount! can you advise me how to proceed? Iv’e already paid them over $700, which is close to my monthly income.

    • says:

      Hi, Taryn. There’s so much about this that we would want to talk about. Can you give us a call so that we can get some more information and try to assist? Our Consumer Division can be reached at 855-203-7058.

  30. Mrs. Miller says:

    Hi Pat,

    I unfortunately got the chance to experience the horrible pain of Kidney stones last month, but the amount of monies the treatment is costing me is more painful. I’ve literally been to the ER three times, had 1 hospital stay,2 surgeries, 2 different urologists and one outpatient procedure. Long story short I have hospital bills, doctor bills and x-ray bills all over the place. I have no copies of my medical records and all these tests they supposedly ran on me because its supposed to be on the health care websites under my files but my information has not been filled in yet. All I have are notices for these bills to be paid and no proof if all of the things itemized are accurately being charged. In their eyes I make too much money to qualify for financial assistance and the payment plans they want me to settle for will have me paying these bills for YEARS and a few of the payment plans stated I’d owe 4% interest or have a late fee of $25 a month. I have no clue what to do so I paid a small amount on some of the bills that had due dates and I’m stuck on what to officially do? Please advise. Thanks in advance.

    • says:

      Hi, Mrs. Miller. Thank you for reaching out. Please give us a call so that we can review your bills and get more information to assist. You can reach us at 855-203-7058. Thanks!

  31. Jennifer says:

    My husband was admitted for a small bowel obstruction. After a few hours of admission he was “accidentally” overdosed on pain medications instituting a code blue. He was moved to ICU where he stayed off and on for 15 days before being transferred to a higher level facility. He has no permanent damage so no law suite, however What can we do about all the ICU and other charges etc., that were caused by the hospital overdose? A week to 10 day stay turned into 25!!

    • says:

      Hi, Jennifer. I’m so sorry to hear about what has happened to your husband. It’s very difficult to advise on a situation such as this without more details. Often, an attorney should be contacted. We would be happy to talk to your husband about what has happened so that we can see if we can assist. Please give us a call at your earliest convenience at 855-203-7058.

  32. Bonnie says:

    My son went to a summer camp 2014. While there he was taken to the Chelsea Community ER by a camp staff because he began to experience shortness of breath. He was treated with breathing treatments and given a inhaler and sent back to camp. However today a collection company surfaced on my credit report for the bill that I have never even received. First the address they had on file has NEVER belonged to me in which they claim documents had been sent to this address, and furthermore medicaid paid on the account when the bill was submitted. However I am told that that despite medicaid POA I am responsible for the remaining balance. In Michigan Balance Billing is illegal. If the hospital has a medicaid contract then they have to accept the medicaid rates of payment. Now I am also told that the only way it can be deleted from my credit is to pay the entire amount in full because as of right now even if there was a billing issue on their end the billing statue of limitations is up and that automatically makes me responsible for the remaining balance.

    • says:

      Hi, Bonnie. We would like to get a few more details so that we can try to assist. Could you contact our Consumer Division? The number is 855-203-7058.

  33. Sivakumar says:

    We went the primary care doctor for general annual check for our 6 year old daughter. We were told she failed in her vision test and were referred to a pediatric ophthalmologist in Dublin Ohio. Also we were told that the vision insurance which I am currently on has one Annual check free of cost.
    We went to the pediatric ophthalmologist and checked in front desk about the insurance coverage and they said it looked fine (not 100% sure).
    Thinking that it is free of cost we even made our two year old to attend the test. Now i get a bill with $247 each. When I called the doctor office they said the doctor who attended to my daughters was a specialist.
    I said I was not informed that a specialist would be seeing and it could cost me.
    I am will be unable to pay this bill. (247*2)=494.
    Kindly advice.

    • says:

      Hi, Sivakumar. Thank you for reaching out. We do advise contacting the insurance company to double-check the cost of a provider whenever possible. However, sometimes, especially in emergency situations, that isn’t always possible. Could you give us a call so that we could get more information to try to assist? Our Consumer Division can be reached at 855-203-7058.

  34. William says:

    I live in Arkansas, my cardiologist referred me to an out of state hospital to have a heart ablation done to correct the severe A-Fib that I had. There was a month between setting the appointment and being admitted. There was no contact from my insurance or the hospital telling me that there was going to be any kind of insurance issue. After I was already admitted is when they said I may have an issue. Needless to say, it was out of network, insurance didn’t even pay 10% of the bill. Now I’m 87K in the whole and they expect me to pay it back in 2 years. I haven’t agreed to anything yet, but at a total loss as what to do or say.

    • says:

      William, thank you so much for reaching out. I think it’s deplorable that patients have to worry about how they are going to pay for surgical procedures when all they should be thinking about is healing from the procedure. Please give us a call so that we can look over your bills and see what the best solution will be for you. Our number is 855-203-7058.

  35. Liz T. says:

    Hello, I apologize for the length of this comment, but I feel like the details are necessary. I live in Wisconsin and recently had to go to the ER for food poisoning. I knew it was the food because I couldn’t finish the hamburger I was eating and immediately started feeling ill. I began vomiting continuously and couldn’t keep water in my stomach. I thought I could wait it out and it would pass but I started uncontrollably shaking from dehydration and my last resort was to go to the hospital but I finally felt afraid enough to go. I drove myself to the emergency room and could barley explain to the woman at the front desk what was happening to me, and she stared at me as if I must have had too much to drink. She gave me a doggy bag to throw up in and told me to sit in the waiting room, and again, I had to run to the bathroom to throw up continuously. About 20 minutes later, someone brought me to a bed in the ER and asked general questions about what happened and told me a doctor would come talk to me. I waited for another 20 minutes and still no one came, I felt like I was going to pass out and all I wanted was a cup of water. The only people I saw in the ER were police officers standing in a group arguing about who was getting off their shift first. I begged for water and one officer walked away possibly looking for someone. I sat down on the bed for a few minutes and still no one, so I ran to the bathroom and started drinking from the sink. A doctor came about 10 minutes later and his only questions were if I was drinking and if I could possibly be pregnant. I hadn’t been drinking and in my case it’s impossible for me to get pregnant (and he asked me this 3 times!) I was told someone will come to give me fluids. I waited another 20 minutes and still no one came to help me. I couldn’t believe what was happening and I decided to walk myself out. I called the hospital and explained what happened, the woman told me someone will call me, but no one did. I received a bill in the mail for almost $900 and the only description on the line is “emergency room”. My insurance lowered the bill to $300 but I feel it’s completely unfair to get any charges since I received no services and no help. Any advice?

    • says:

      Hi, Liz. Thank you for reaching out. The first thing to do is to get a detailed, itemized statement that shows exactly what you are being charged for. Once you receive that, you can look for items and services for which you were billed but might not have received. Contact the billing department to discuss any charges that you don’t agree with. If you need help, please give us a call at 855-203-7058 so that we can try to assist.