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Patients can only be required to pay in-network costs for these services. The law also prohibits balance billing which would leave patients on the hook for covering the difference between the provider's charge and what insurance covers.
How does medical bill debt forgiveness work? If you owe money to a hospital or healthcare provider, you may qualify for medical bill debt forgiveness. Eligibility is typically based on income, family size, and other factors. Ask about debt forgiveness even if you think your income is too high to qualify.
Is Balance-Billing Legal? Unless there is an agreement to not balance bill or state law specifically prohibits the practice (which are quite rare), medical providers may bill patients for any amounts not paid by insurance.
The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers.
Negotiating a Balance Bill One way to do it is to simply call the provider. Many providers are willing to either create a payment plan for patients who have high medical bills or even simply write off a portion of the bill. It is a best practice to contact the provider as soon as possible upon receiving a balance bill.
If both your insurer and your provider won't amend the bill, you should submit an official complaint. The federal government has a new process for you to report suspected surprise medical bills. You can do so online or by phone at at 1-800-985-3059. In the meantime, your provider could submit your bill to collections.
If you believe you've been wrongly billed, you may contact the Arizona Department of Insurance and Financial Institutions at 1 (602) 364-3100. Visit for more information about your rights under federal law or call 1 (800) 985-3059.
Steps to Fight Against Balance Billing Review the Bill. Billing departments in hospitals and doctor offices handle countless insurance claims on a daily basis.Ask for an Itemized Billing Statement.Document Everything.Communicate with Care Providers.File an Appeal with Insurance Company.
Patients can only be required to pay in-network costs for these services. The law also prohibits balance billing which would leave patients on the hook for covering the difference between the provider's charge and what insurance covers.