![]() ![]() "It could have been a lot more," he says. He says he is okay with how it turned out. ![]() After a reduction in her fee, Townsend paid Gross $17,000. Gross also negotiated with the hospital, which agreed to write off the $75,000 in charges. ![]() Gross filed an appeal with the insurer, which didn't budge, then she spoke with the insurance division of the New York State Department of Financial Services. After an initial consultation with Adria Goldman Gross, owner of MedWise Insurance Advocacy, Townsend agreed to pay her 25 percent of whatever he saved. Hiring an expert helped Townsend finally resolve his bill in March 2017, more than a year after his 10-day hospitalization. Look for someone who offers a free initial consultation, get references, and ask about their experience with medical billing, especially with cases similar to yours. Dispute My Account If you received a collections notice that you feel is incorrect, please fill out the form to dispute your account. Some operate on contingency, taking a percentage of what they save you, usually 25 percent to 35 percent. You can contact CBCS Collections using the information below: 105 W. These experts typically charge $100 or more an hour. This is simply a letter that requests the debt collector validates the debt and provides documentation that proves the debt is yours. The insurer must provide information on how to do that in its final determination letter.įor big bills or complex cases, consider hiring a medical billing advocate. If your appeal is denied, ask your insurer for an independent external expert review. The insurer usually must make a decision within 60 days. Also, check out the Patient Advocate Foundation's guide to Navigating the Insurance Appeals Process (PDF), which includes sample appeal letters. To find out where to submit a complaint with regulators in your state, use the lookup tool on Consumer Reports' End Surprise Medical Bills site. Send a copy of your dispute letter to the higher-ups of the hospital and insurance company, and report the problem to your state department of insurance or state attorney general. Reaching out to decision-makers and insurance regulators may also help. To bolster your case, include your medical records and letters from your doctors saying why they disagree with the decision to deny. CBC offers debt collection and account servicing for healthcare systems, using advanced technology to deliver maximized recovery and personalized service. The deadline for submitting it will be noted in the initial and subsequent claim denial letters. You have a right to a formal appeal with your insurer. ![]()
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