Stuck with a big out-of-pocket medical bill?
Even with great insurance, it happens.
One of the most common issues still involves hospital visits where you know the hospital is covered by your insurance plan.
But after the procedure, you find one of your doctors is considered "out of network," and you're stuck with a bill.
If you can plan a procedure, make sure to ask that all physicians be in your plan.
But if you're stuck with a bill anyway, Missy Conley says to ask if the doctor can work with you on lowering it.
She's with Medliminal.com.
For a $45 fee, and 25% of anything they save, Medliminal will help find errors.
If they can't save you money, you don't pay the percentage.
Conley says many times they find medical coding errors.
It could be a patient's procedure mistakenly billed as diagnostic instead of preventive.
That means instead of being covered 100%, the cost may go towards your deductible and you end up with a big bill.
She also says don't be shy about applying for financial aid, even if you think your income is too high.
Those details should be listed on the medical institution's website.
