Medical billing errors are extremely common. This playbook helps you identify errors, request itemized bills, and negotiate or dispute charges.
Common billing problems
Look for these issues before you pay any medical bill.
- Duplicate charges for the same service
- Unbundling (charging separately for things usually billed together)
- Upcoding (billing for a more expensive service than provided)
- Balance billing (charging you after insurance pays)
- Charges for services not received
Request an itemized bill
Always ask for a detailed itemized bill, not just a summary. Review each line item for accuracy.
Dispute process
Contact the billing department in writing. Explain the error and request correction or adjustment.
Negotiation strategies
Even valid bills can often be negotiated. Ask about payment plans, financial assistance, or prompt-pay discounts.
Resource FAQ
What if the bill is already in collections?
You can still dispute the charges. Send a validation letter to the collection agency.
How do I know if I was overcharged?
Compare your charges to fair market prices using tools like Healthcare Bluebook or FAIR Health.
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