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Questions tagged [medical-bill]

For questions that relate to medical bills and medical billing. Accompany with a country tag if relevant.

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2 votes
0 answers
42 views

US medical insurance Blue Shield out of pocket maximum vs benefit maximum

I have this table from my "benefit maximums" page of my American health insurance: There appears to be both a benefit maximum (second row of first table) and an out of pocket maximum (first ...
Kevin Kostlan's user avatar
0 votes
1 answer
230 views

How much exactly do debt collectors usually pay for medical debt?

Just read the book Never Pay The First Bill by Marshall Allen. It was eye-opening and confirmed a lot of my suspicions about the relationship between health insurers and healthcare providers. This ...
Derek Fulton's user avatar
21 votes
3 answers
8k views

Doctor won't let me self-pay because I've "already presented" them my insurance card?

My doctor's cash price is lower than the insurance price. Since I likely won't hit my deductible this year I asked to switch to self-pay. They told me they are "not allowed" since I have &...
Derek Fulton's user avatar
4 votes
1 answer
618 views

Is this a medical billing spear phishing attempt?

Background info: I recently had a nasal swab sent off during a doctor's appointment, and I've already paid the small Labcorp bill. My medical insurance is not Blue Shield. I got this text message last ...
perigon's user avatar
  • 141
1 vote
0 answers
197 views

EOB says $4k total charges, $4k ineligible charges, PR $0, still got bill from the provider for $1431

The EOB for the service (epidural) says that: charge: $4000 allowed charge: $0 ineligible: $4000 patient responsibility: $0 ineligibility code: 1 - The Provider is not eligible to receive ...
Vadim K.'s user avatar
  • 111
0 votes
2 answers
1k views

I got a court notice from a debt collector. What do I do now?

I had some medical bills in 2018/2019. At the time, I was able to make monthly payments to the hospital, but the monthly amount was not enough for them so they sent the account to collections. The ...
Ash's user avatar
  • 3
1 vote
1 answer
860 views

What does a negative plan discount mean on a medical insurance claim in the United States?

I saw the following medical insurance (Aetna) claim in the United States: What does the negative plan discount mean?
Franck Dernoncourt's user avatar
1 vote
1 answer
490 views

Does giving consent to treat an unconscious relative make me financially liable?

If a person is unconscious at the hospital and needs treatment, the hospital may try to reach a relative to give consent to treat. If that relative gives consent to treat, does that make them ...
zwiebelspaetzle's user avatar
1 vote
1 answer
131 views

How do I go about negotiating a Medical Bill?

In December of 2021 I had elective surgery. The night before my surgery I called the hospital to double-check that they were in-network and was told that they were. A few weeks later I got a big ...
Eric's user avatar
  • 245
2 votes
1 answer
148 views

Did the Hospital Mis-Bill My Insurance Plans?

Some months ago, I received treatment at a hospital in New York City. While I was there, I provided them with the insurance information for two plans under which I was covered. Company A sent me an ...
szkoda's user avatar
  • 51
2 votes
2 answers
176 views

Financial outcomes for a US adult over 65 without medicare

My father is in his 70's. He was a self-employed professional who never put away any money for retirement. He is now living on a rural property that he owns, but his only monetary assets would be his ...
user112214's user avatar
10 votes
2 answers
868 views

What do I do after requesting and receiving a debt validation letter for a medical debt I don't recognize?

I received a debt collection call a few months ago from a professional debt collector for a debt I didn't recognize, followed by a written notice. I wrote back that I dispute the debt and requested ...
Robert's user avatar
  • 499
3 votes
2 answers
272 views

Medical estimates that are inaccurate

My partner and I have recently had a few medical-type procedures (dental, veterinary), at small private practices, that we pay at least partly out-of-pocket. In each case we were given advance ...
Daniel R. Collins's user avatar
33 votes
2 answers
11k views

Do I have to pay a medical bill when the ER never submitted it for an insurance claim?

My husband went into cardiac failure while we were traveling. He was taken by ambulance to the nearest hospital ER. I gave his insurance information at the time of service. About a month later, I ...
Donna Lewis's user avatar
2 votes
1 answer
66 views

Can I claim tax relief for money I spend at the dentist?

(I apologize if the terminology I use is not appropriate, but finance is a topic I'm definitely not into. And I'm not native English speaker. For instance, I used the term relief because that's what I ...
Enlico's user avatar
  • 171
25 votes
5 answers
4k views

What is the cost of health care in the US? [closed]

I was surprised to read articles about the cost of health care in the US. So, I became interested in this topic. My question; What is the cost of health care in the US? That would depend on the ...
Blue Various's user avatar
1 vote
2 answers
280 views

What kind of health insurance does the American public have and how do they benefit from it? [closed]

My question What kind of health insurance does the American public have and how do they benefit from it? I was surprised to read articles about the American health care system; this seems to be ...
Blue Various's user avatar
2 votes
3 answers
363 views

Question About Medical Bill Defense

So, I've been researching for a quite a bit and haven't been able to find a case or ruling that relates close to my situation. I went to a sleep specialty physician about four years ago who was ...
Ambien's user avatar
  • 29
2 votes
3 answers
460 views

Disputing a collection on an account that is current, but the collection agency wants the original debt amount

I have a surgery bill (Original Balance: $2,757) that I have been paying off for the past 2 years with auto-drafted monthly payments. Every month on the 1st a payment was auto-drafted from my checking ...
Jeremy's user avatar
  • 257
5 votes
1 answer
102 views

Wrong Cancellation of Medical Insurance

I enrolled in medical, dental and vision during open enrollment. I saved the summary after I submitted. The summary shows all my elections. Insurance was supposed to start on September 1st. I received ...
NeekyE's user avatar
  • 51
7 votes
1 answer
462 views

After a Divorce, may I use my HSA to Pay Spouse's Medical Bill that Occurred Prior to Divorce

I am recently divorced (in Iowa). My spouse got a large bill in the mail covered by insurance for an emergency room visit. She still owes money even after insurance paid a portion of the bill. I'm not ...
thecoolmacdude's user avatar
0 votes
1 answer
206 views

Can a doctor send you to collections for a bill they only emailed you?

So how about when a doctor's office sends you a bill via email that goes into your spam that you never see, but never snail mails you a bill? I only found it because I was looking for something ...
user99215's user avatar
4 votes
1 answer
2k views

Large Difference between Billed Amount and Allowed Amount

I've been researching this but have yet to come up with any resolution that makes sense. I thought I'd try here to see if anyone has any ideas. We were billed for our daughter's room and board and ...
djradius's user avatar
45 votes
7 answers
14k views

Medical provider is threatening to send me to collections over a debt I do not owe

I received counseling services in May 2019 and paid the full amount owed. A few months later I received a bill for these services. I have called the billing agency and the counseling service multiple ...
lizziv's user avatar
  • 1,746
3 votes
1 answer
119 views

What is the best way to finance medical screenings for a non-resident alien?

My dad is coming to visit me from a country with a very poor medical system. The kind of system where senior citizens don't get much attention from doctors at all and pretty much left to die from ...
Ilya's user avatar
  • 133
-1 votes
1 answer
51 views

Which tax year for healthcare bill if incurred and paid in different years

If I get healthcare bills in 2018 but pay them in 2019 to which year’s tax returns do they belong?
Neil Q's user avatar
  • 1
2 votes
3 answers
322 views

Do I get reimbursed from my HSA for amount applied to the deductible or the actual amount paid?

My health plan (Cigna) through my employer is a HDHP that comes with an HSA (through HSABank). When somebody in my family gets medical services, they "bill" the insurance, which tells the medical ...
user avatar
10 votes
1 answer
594 views

Medical bill sent straight to collection agency

I was very surprised to receive a letter from a collection agency regarding a medical bill incurred during my wife's pregnancy last year. We never received any correspondence via mail, e-mail, or ...
cmevets's user avatar
  • 103
2 votes
2 answers
5k views

EOB says I owe $98, but provider says I owe $0

I went to ER few years ago, and EOB shows all the services claimed, discounts all those, and the final balance to be $98, which I was waiting for the hospital to send me the final bill for me to pay ...
Justin's user avatar
  • 23
2 votes
1 answer
651 views

Hospital charged me for more than insurance claims that I owe

I recently had a medical procedure done that had a number of diagnostic tests leading up to a surgery. All of the various bills from that went through insurance, with me paying the out-of-pocket ...
Stubnortz's user avatar
1 vote
0 answers
100 views

Health insurance payment does not match up explanation of benefits. What's going on?

My wife and I utilized the services of a chiropractor who happened to be out of network with my insurance provider (will name in an edit if it is important). My Explanation of Benefits says that out-...
perennial_noob's user avatar
3 votes
2 answers
128 views

Medical expense deduction when there is no income

If medical expenses exceed your income, is there a mechanism by which you can receive money back when you file your taxes? What impact would trying to claim the Earned Income Tax Credit have on this ...
J.Merrill's user avatar
  • 161
4 votes
2 answers
498 views

What should a medical receipt contain to be IRS-approved for an HSA withdrawal in the United States?

In the United States, one must keep records of all one's medical expenses processed through one's HSA in case of an IRA audit. What should a medical receipt contain to be IRS-approved? I'm assuming it ...
Franck Dernoncourt's user avatar
1 vote
1 answer
101 views

How do I submit receipt for FSA reimbursement for my spouse's medical expense?

I and my two children are under Kaiser, while my husband is under a different medical plan (BlueShield of CA). I enrolled in medical FSA while he is not. I read online that his medical expense can be ...
John Jiang's user avatar
0 votes
1 answer
2k views

Can I get multiple hospital indemnity plans (e.g. Aflac and such)?

Is it possible to get multiple hospital indemnity plans from different companies such as Aflac and Metlife? If I were to get one by myself, can I cancel any time?
Guybrush Threepwood's user avatar
1 vote
0 answers
40 views

Can I Expense Reimbursements To An Employee Who Received Medical Treatment In A Foreign Country?

I have an employee who was sent to a foreign country on a business trip. He got in an accident while he was there and had to be treated at a hospital. Since he was there on a company trip, we ...
Lloyd Banks's user avatar
11 votes
2 answers
3k views

When is an HSA expense "incurred"?

Starting next year (2019), my family will be covered by an HSA plan. A member of my family is undergoing a medical treatment, starting on 12/27/2018, which will continue into March 2019. There is a ...
Chad's user avatar
  • 111
12 votes
3 answers
2k views

Original creditor forwarding payments to collection agency

In 2017 I had back surgery performed at an orthopedic specialist surgery center. During the billing process I set up auto-draft for all of the bills so that I would not have to worry about missing a ...
Jeremy's user avatar
  • 257
5 votes
2 answers
1k views

What portion of the fee to my MD's concierge medical practice is eligible for US Internal Revenue Service medical deduction?

First, I know about the 7.5% AGI floor for medical deductions in 2018 (scheduled to go to 10% of AGI in 2019). We are above the 7.5% AGI floor. Our doc has recently transferred to a concierge ...
ab2's user avatar
  • 1,900
6 votes
2 answers
5k views

Medical bill with wrong name sent to collections

A few weeks after my wife gave birth, the medical bills started rolling in. One of them was addressed to "BB Last Name)." Our last name is not common but there are other people in our city with the ...
user13803's user avatar
  • 121
1 vote
0 answers
160 views

How to pay ER bills after collision in someone else's vehicle

Which insurance(s) should I contact to file claims in the following situation? I have auto insurance for my vehicles with the usual coverages including personal injury protection, which I understand ...
jia103's user avatar
  • 141
1 vote
1 answer
90 views

Must I prove that I've paid the medical provider before receiving payment from the insurer?

I recently submitted some medical insurance claims to my medical insurer. They are requesting proof of payment of my medical bill since I'm requesting that I be paid, not the provider. Am I required ...
polytopal's user avatar
0 votes
3 answers
549 views

Bait & Switch Doctor [closed]

I took my two daughters for a “Free Consultation” to an Orthodontist. They said the doctor may need to take x-rays, Panoramics. These are not included in free consultation. I checked with my ...
Rob137's user avatar
  • 11
1 vote
2 answers
111 views

Income Tax Deduction / Reimbursement of Rs.15000/- per year

Can the purchase of medical equipment like Blood Monitor Machine, Blood Sugar Machine etc. be claimed under the medical reimbursement or income tax deduction of up to Rs.15000 per financial year for ...
Ankit's user avatar
  • 11
5 votes
2 answers
456 views

My dentist sent a forged bill to my insurance (California, US)

I had an appointment with my dentist and they gave me a receipt with a total amount $409.00 for the services. Then they claimed $985.00 from my insurance. Insurance paid $750.00. They didn't ask me ...
Andreo's user avatar
  • 151
0 votes
2 answers
2k views

Selling Stocks to Cover Medical Costs

I know that often times the argument against holding stocks is the tax applied after selling them. But what if I have a sizable medical expense to offset the capital gains taxes? Will holding and ...
Concerned_Citizen's user avatar
8 votes
1 answer
425 views

Is this a form of insurance fraud? Provider charged us less than reported to insurance

We needed an expensive genetic test for our daughter. UCSF hospital suggested a new lower cost provider, and sent the sample in. The provider called us and said they are "unique" in that they would ...
Bryce's user avatar
  • 2,550
1 vote
2 answers
137 views

Minimum amount of PII (personally identifiable information) to ding credit

If I give a Dr. my past address (property that is either now a rental where I am the property manager or a house I no longer own), date of birth, age etc. and a copy of my passport, but don't give ...
maplemale's user avatar
  • 1,541
1 vote
3 answers
150 views

Structuring of Large Medical Bills

I have a situation where my friend is cash poor from recently buying a house and just landed in the hospital for a few days. I would like to help him cover the medical bills when they start rolling ...
danjuggler's user avatar
2 votes
1 answer
230 views

Medical collection for parents - will it affect me?

My parents were visiting the US from Europe and they had some sort of travel insurance. During their visit, my dad had a fall and was taken to the ER; thankfully nothing was wrong and he was released ...
Craig's user avatar
  • 499