Cough up the money when your sick. I mean that literally, that would be way much easier!!
In Canada, medical insurance should be accepted at both a hospital and a medical clinic provided the patient has their insurance card. In the USA, patients will typically pay a flat rate co-pay for a medical clinic visit (as compared to a percentage of the bill at an E.R.)
No, they shouldn't be billing you for the provider discount if the hospital is contracted with the health insurance plan.
YOu have to pay the balance of what the insurance companies do not pay.
That is insurance terminology. It is a portion of a covered claim that the insurance company will not pay and that you have to pay to the doctor or hospital yourself.
Take a look at the paperwork you signed at the hospital, it probably states on there somewhere that YOU are responsible for any amounts not covered by your insurance coverage.That means that the hospital can try to collect any amounts, that your insurance coverage does not pay for, directly from you.If you have already reached your maximum out of pocket limit through your insurance, your insurance should pay for the total amount of the bill from the hospital... but be sure to read all the fine print of your policies for clarification of what your out of pocket max really is, what services they will pay for, how to file claims, etc.. to see why they might not have paid the entire bill.The hospital has every right to go after you for the bill though. You should be in contact with your insurance company and the hospital to get things worked out.
Dose my mother have to pay for my late fathers hospital bill from the auto accident that killed him?
Yes, failure to pay will result in termination of your insurance. If you don't pay for any of the insurance, the insurance cancel will reverse the payments they made to the hospital and doctors and you will have to pay full-price for the childbirth and subsequent care.
If possible, the patient must pay the bill. Various State and Federal programs exist that can assist those who aren't insured and still need hospital care. Additionally, the bill EMTALA (Emergency Medical Treatment and Active Labor Act) requires that Emergency Rooms admit and treat you in a medical emergency, regardless of insurance or ability to pay at the time. However, the hospital has a legal right to charge the patient for services rendered, and to collect debts that relate to such charges.
yes
The annual out of pocket maximum refers to the actual amount of money you will pay for your medical cost before an insurance plan pays 100% of your bill. For example, if you have an "80/20" plan with a deductible of $2000.00 and a maximum out of pocket of $5000.00, you would be responsible for paying the first $2000.00 of the hospital bill, then the insurance company would pay 80% of the bill and you would pay 20% of the bill. Now, you've already paid $2000.00 so you have $3000.00 of your max out of pocket to pay. Once your 20% of paying that bill reaches the balance of that $3000.00, you would have paid your maximum out of pocket total of $5000.00 and the plan would then pay the remainder of the bill 100%.
To avoid having to pay for hospital bills resulting from an accident they cause
A medical insurance biller is the person who sends out the bills to insurance companies and figures out how much they will pay on your bill. It's important because it covers payments for a medical office.