How Do I Pay A Hospital Bill If Medicare Denies My Coverage?
Medical bills are expensive no doubt, however even the worst of them can be paid by time and method. When Medicare denies coverage, it is up to the member to know right away what they need to do. For everyone else, consider these following things.
Anticipate Coverage Policies
Medicare is a national insurance program at its base. It is regionally represented in every state and has its own regulations and laws to follow, based on the state. As a Medicare member, it is important to know what policies cover what. Most members get nursing, plan A as a default, however everyone has to pay a premium to receive benefits like medication and doctor services. If the member isn’t paying for it, they are likely not going to get it. So preventing a Medicare denial in the first place is key. As a reference, most unnecessary treatments are classified as elective. Meaning, unless its needed to save a Medicare recipients life, its likely not going to be covered.
Backup Insurance in the Event Medicare Doesn’t Pay
Medicare is often seen as a primary billing source, however it can technically be labeled as a secondary insurance within certain parameters. An insurance plan that covers particular treatments, can be used in place of Medicare if necessary. This doesn’t matter if it is the first or second in billing. If Medicare denies coverage, the billing will fall onto the second and so on. The idea is very similar to above, except that patients need to find an insurance plan that will pay in place.
Medical bills can be catastrophic, however negotiating with a medical facility is optional. Debt collectors charge a steep percentage fee, which is based on the total debt owed. Therefore, it is better for hospitals, at times, to accept an organized payment plan to insure money comes in.