Validating hospital bills
Challenge any out-of-network balance bills if you use an in-network hospital.
Many states have laws limiting the extra amount charged by these providers. Disputing unpaid medical bills with collection agencies is your last line of defense before they report the information to the credit bureaus. Therefore, you must act quickly – providing there is some type of legitimate error to contest.
Many patients without insurance learn the cost of services only after the fact. However, this is exactly how the industry treats uninsured and out-of-network patients.Without insurance, patients lose the pre-negotiated wholesale price for services (otherwise known as in-network or allowed charges).