How To Review A Hospital Bill And What To Do If You Find An Error

People in a managed care plan may be denied coverage for services provided in the hospital by doctors who were not in the company's plan and not pre-approved. If this happens to you, you have to deal with the insurance company rather than the hospital.

First determine whether the doctor actually provided some sort of healthcare. If you kept a log, it will be easy to find this out.

If the doctor did provide a healthcare service, call the phone number on the statement and ask if the doctor has an agreement with your insurance company.

• If so, call the insurance company and point out the error.
• If not, call the insurance company and explain that you were attended by the doctor while you were in the hospital and that you had no control over which doctors treated you. 
• If a call doesn't work, consider using the insurance company's system to appeal. You do not need a lawyer to appeal. 

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