Our services are of great benefit to individual users.  Here are several categories:

• UNINSURED - Did you know that this category of patient pays the most!  Under national standards, all patients are charged the same amount.  This is usually a highly inflated figure.  Medicare, Medicaid, and Insurance Companys get a discount from this amount.  If you have no insurance, you get to pay the undiscounted and inflated amount that other don't have to pay. 
• UNDERINSURED - If you have insurance that pays a flat amount per day or per procedure, you have found that there is a big gap, you are now expected fill, that your insurance didn't cover  Maybe you have a very high deductible, large copays or high out of pocket limits.  It doesn't take long for a hospitalization or visits to various medical specialists to create a very big bill. 
• INSURED - You have good insurance but still have some large bills.  Did your insurance company calculate your copays correctly?  Did you get credit for deductibles for family use of your insurance?  In Network, Out of Network charges?  Did you insurance company pay according to your Benefit Book?  Did they deny payment for services? 
• MEDICARE - Were you denied coverage for a charge?  Your Medi-gap insurance didn't pay as you thought it would?  Being charged by your provider before Medicare or Insurance has paid?  

It is our job to compare what you are being charged with what you should pay.  Don't Pay More Than You Should!  It is so easy for mistakes to be made.  Many of the people that input charges or process them for insurance companies are overworked and underpaid.  They process thousands of charges every day and errors are the norm, not the exception.  Some providers have found ways to charge far more than they should.  We have seen hospital bills that contained charges of $53 for a pair of disposable gloves, $10 for a individual plastic pill cup and delivery room charges for a male patient!!! 

Your hospital bill probably contains a Summary of charges.  Would you go to a grocery store and pay $25 for meat, $15 for produce or $18 for dairy products without knowing what specifically you are being charged for?  Of course not.  But that is what routinely happens with your hospital bill.  A detailed bill is your right but even getting one of those will present you with a codes and terminology that is hard to understand.  You won't know if the charges are reasonable and customary, allowable or correct but we will. 

Let us help you weed through all of this.  Call now.