Make...
your doctor your advocate or get another doctor.
Make...
certain the hospital you enter is an in-network hospital. Assurance the hospital ACCEPTS your insurance indicates they are simply willing to bill your insurer and have you pay what isn’t covered.
Always...
give the hospital a letter at the time of admission stating they are not to provide any out-of-network care unless specifically approved in writing by you.
Never...
allow an emergency room to hold you for observation without admitting you to the hospital to ensure coverage.
Never...
undergo a procedure without seeing the doctor’s order stating it’s “medically necessary”. It’s essentially a guarantee of coverage.
Never...
allow a discharge from a hospital without a signed order from the doctor.
Never...
accept a bill from anyone within an in-network hospital claiming a right to bill separately.
Never...
allow your doctor to overruled by your insurer’s doctor as he or she has no legal standing in the matter.
Always...
remember the care and coverage you are owed is the medically necessary care your doctor prescribes.
Always...
insist your written responses to a bill be a permanent part of the hospital’s file on your bill.
And...
stating it one more time. The form you signed accepting financial responsibility for what your “plan” fails to pay on an in-network bill of any type (doctor, hospital, clinic or Indian chief), is bogus because the provider has earlier surrendered the right to make such a claim by signing their Provider Agreement.