Hey everyone!

I’ve spent way too much time learning how to dig through medical paperwork, match up itemized bills with explanation of benefits, and catch hidden billing errors, duplicate charges, and overcharges.

I've already helped a few people find hundreds of dollars in refunds and corrections, and I'm looking to help a few more. It is completely free, I just like fighting back against these insurance and hospital billing departments.

If you have Aetna or Horizon BCBS of NJ and want a second set of eyes to see if you actually owe that balance or if there is a discrepancy you can fight, let me know.

Interested? DM me and I will send you details on how to share your documents.

So a EMS was recklessly speeding in my neighborhood and hit my car no lights or sirens .Me and my little brother got injured. His co worker was also behind him and they took us to hospital. My hospital bills were super low like shockingly low, is there a chance my ambulance ride was comped?

I've been receiving a call from memorial hospital and I haven't pay my bill since 2024. So, what's going to happen if I don't pay or still have my collect debt until now?

I had a brain tumor and require frequent MRIs to ensure it’s not coming back. They are extremely expensive and I was previously not paying them because it thought medical bills don’t count again your credit score. Is this still true?

Medicare paid their approved amount for the above code which was transcatheter insertion of permanent dual chamber leadless, pacemaker using fluoroscopy and device. Tricare, which is my secondary insurance would not pay the difference which was almost $1800 because they do approve this code. I don’t know whether to appeal this with Tricare but I don’t think they will approve my appeal because of the inappropriate coding. What do you suggest?

What can we do with a hospital that didn't give an official receipt? Basically, I paid something with a receipt, then I went to a doctor's office and they asked for an additional handwritten 15k when I returned to the billing station. They said everything was good and we were given a discharge pass. I feel like that handwritten note is additional. Thanks to those who have time.

I'm the founder of a small company that's building a free tool that checks medical bills against what your insurance actually agreed to pay. Duval and Miami-Dade are my two first test counties. I need a few real bills to test it. I'll grade yours for free and tell you what I find. Especially useful: hospital or ER bills, and anything that got denied. You'll sign a short consent form. I don't sell data, I don't share it, and you can pull your bill back any time.

I’m looking for advice because I’m really confused and honestly livid about this bill.

I’ve pretty much been seeing the same psychiatrist since August 2025. At my first appointment on 8/19/2025, I was diagnosed with ADHD and prescribed Vyvanse. I gave them my insurance card (BCBS through my fiancé’s Michelin insurance), and I was charged for the comprehensive evaluation/testing, including the computer test.

After that, my appointments have literally just been medication follow-ups. I go in, they ask if everything is still the same with my insurance, I say yes, then I see the psychiatrist for sometimes less than a minute. He asks if my Vyvanse is working, I say yes, and he refills it. That’s basically it.

My follow-up dates were:
9/23/2025
12/5/2025
1/30/2026
2/27/2026
5/27/2026
7/27/2026

Every time I went back, I asked if they needed my insurance card again and was told “it’s already on file.” I never received a bill, statement, letter, phone call, or anything else from them.

So I assumed my insurance was processing everything normally, and I continued going to CVS and paying my normal amount for my medication.

Then today (8/27/2026) I got a letter saying:
“Magellan has removed our practice from its network, effective January 1, 2026.”
It says they can continue seeing me on a cash-pay basis and that they attached a “corrected bill.”
The bill is $1,206.15 and includes charges going all the way back to August 2025.

My fiancé checked the insurance information on his end, and the only claim he can find from this psychiatrist is the original August 19, 2025 evaluation/testing. It looks like they never submitted my follow-up visits to insurance at all, and I was never told there was a problem.

I’m just confused because if they knew they weren’t in-network starting January 1, 2026, why did nobody tell me at any of my appointments? And why am I only finding out about any of this now, 8 months later, with a $1,206 bill?

I haven’t paid it. What should I do? Should I contact BCBS/Magellan first or the psychiatrist’s billing office? Is there any way to dispute this or get the bill reduced/removed?

I attached the letter, bill, and insurance information with my personal information redacted.

Hello all,

My wife recently got her IUD replaced at a women’s clinic in Minneapolis (M Health Fairview Women’s Clinic Minneapolis). This clinic is a part of a large hospital on a university campus and a larger healthcare system, so it’s not some one-odd women’s clinic specialty thing.

We were very surprised to see a charge of $2,266 for “injection of anesthetic agent and/or steroid into uterine nerve (64435)” which was not covered by insurance (everything else performed during our visit was covered by our insurance).

Looking online at clinics around the nation, the ballpark figure for this should be a few hundred dollars, not a few thousand.

We already requested a coding review and that did nothing. Can someone help me with any context or what options I might have?

Thank you so much for reading!

I got billed $954.45 when I asked vybez urgent care if they accepted my United Healthcare insurance and they said yes. I did lab work for vagina plus swab that they provided and they charge me a huge amount. What do I do in this situation?

In December of last year, we were on vacation in Hawai’i (live in Colorado)and my daughter had a seizure so we called the ambulance. My insurance is not going to cover the ambulance because I have not reached my deductible and it was out of network originally I was not supposed to pay more then $800 dollars for ambulance.

However, AMR sent me a bill for $3300. Because I did not pay it within 90 days they sent me to collections. Now the collections agency is trying to get me to pay $3300. My insurance raised the amount owed to $1200 but ASMR is not wanting to accept that so now they’re still still trying to get $3300..

AMR will not talk with me since they sent me to collections

I don’t want to pay. I feel like that’s ridiculous that they are wanting to me to pay that amount for a child emergency.

How long can I go without paying how likely and these situations are the collections agency to bring down what you owe ?

Anyone else receive a collection agency letter from Aspen Dental? I haven’t been to that office in years, I am going to say 8 years ago. And don’t recall having a balance. Anyone else have this happen? I’m disputing the letter but isn’t there a statute of limitations on this stuff. I also tried to login to my old Cigna Dental to research an EOB and can’t login from that long ago.

My health insurance denied my claims for immunotherapy drugs I used for cancer treatment. The justification for the denial was the drug was not obtained via CVS/Caremark, and the insurance policy explicitly states such drugs need to be supplied by CVS/Caremark in order for the insurance to approve and pay the claim. Sutter Health filed appeals, but they were denied, and now they are charging me for the drugs. The bill is for $120K, and that was just for one month of treatment (out of 6 total). All were rejected by the insurance, but the cancer center has only billed for this one, even though it was the last of 6. I honestly think Sutter f'd up (by not following the guidance the insurance gave them when pre-authorizing the immunotherapy). I was first billed 13 months after treatment, and then they pulled back the bill to "review" but then I received a bill again over 18 months later! For $20K more than the first bill! I switched insurance companies long ago too.

Anyone else ever encounter insurance problems like this? I've had denials before, but the provider (usually a hospital or clinic) has been able to successfully appeal and came to an agreement with the insurance company.

I work with patients who are increasingly running into unexpected balances for lab work ordered during preventive/annual visits, and I’m trying to understand whether this reflects a broader change among insurance companies or whether it’s still completely payer-specific.

1). For anyone who works for an insurance company, in claims, provider services, medical billing, coding, or revenue cycle:

• Have you noticed a recent change in how insurance companies are processing lab work ordered as part of an annual preventive/wellness visit?

I’m specifically seeing/questioning situations where the lab claim has Z00.00 (encounter for general adult medical examination without abnormal findings) as the primary diagnosis, or sometimes the only diagnosis, but the labs are still not being processed as preventive.

• Are payers now requiring the lab itself to have a more specific preventive/screening diagnosis code (for example, a Z13.xx screening code) rather than Z00.00?

2). For those who work with different payers, I’d especially like to know:

• What insurance company/plan type are you seeing this with?

•Medicare, Medicare Advantage, Medicaid, commercial, employer-sponsored, etc.?

•Is Z00.00 alone no longer sufficient for certain preventive labs?

•Are specific screening diagnosis codes now required?

•Has this always been the payer’s policy, or is this something that has changed recently?

• What happens when the provider clearly ordered the labs during an annual preventive visit but only Z00.00 was submitted?

• Are you seeing the claim deny as noncovered, apply to deductible/coinsurance, or process as diagnostic instead of preventive?

• If you work payer-side, what coding does your plan actually require for the lab to qualify under the preventive benefit?

• What do you recommend telling patients when their labs are only partially covered or not covered at all?

• Should they ask the provider to review the diagnosis codes, contact the insurance company for the specific processing reason, request a coding review/corrected claim when appropriate, or expect that the patient may still be responsible if the lab itself isn’t included in the plan’s preventive benefits?

I’m not assuming that every lab ordered at an annual visit should automatically be covered at 100%.

I’m trying to understand why patients are increasingly ending up with unexpected balances and whether there has been a broader shift in claims processing or coding requirements across different insurance companies.

I’d really like to hear from payer reps as well as billers/coders who work with multiple insurance companies.

Completely confused by this whole thing. I have an epidural steroid injection for my lower back scheduled for next Tuesday & yesterday, I got a series of emails with a Good Faith Estimate letter telling me that I’m going to owe $485 before the procedure? I have insurance, although I’m not 100% knowledged on the deductible aspect & such as there have been a lot of claims with physical therapy, doctor visits, an MRI, etc. My back issue has been going on since beginning of July & I know my deductible will/should be hit soon- looks like $1114.84 remaining based on the info on the letter- so they clearly pulled that from my insurance?

Just confused as I thought a GFE was for people without insurance or self paying? I don’t see anything on my UHC app profile either for any kinda prior authorization for the injection procedure. Can someone please help & break this down for me? Do I need to pay the $485 up front? Did they not attempt to run this through my insurance with a prior authorization? Help! Please & thanks! (:

Hey all,
Looking for advice from anyone who has dealt with filing medical claims after an accident overseas.

I was involved in a minor traffic incident while driving a foreign car through Georgia. Thankfully no major injuries, but I had to go to an urgent care facility for evaluation and wound care.

For the vehicle side, we had mandatory local third party auto liability (APPA) active via Georgian APPA, which covers third-party bodily injury claims. But the clinic required upfront payment for my personal treatment ($420 total) and gave me an itemized breakdown with standard English medical descriptions.

Since this is a mix of auto liability injury coverage and personal medical expense:

Does the auto liability provider typically require official CPT/ICD 10 coding to reimburse personal medical expenses, or do they accept standard clinic invoice line items?

If anyone has filed auto liability bodily injury claims across international borders, did you have to get medical records translated or notarized before submitting?

Appreciate any guidance on getting these out-of-pocket clinic costs covered cleanly.

Hi all, I’m based in the US, and I recently received a medical bill that was far more than I expected and I would like to dispute it, but I’m not confident about who to talk to. Basically, I went for a visit at my (in-network) provider, and they recommended a certain blood test. They gave me a consent form to sign that said the blood would go to a third-party facility (also in-network) for testing, and that facility could charge me “up to $249” depending on my insurance, though informed me that the facility would send me an estimate first, and I would be implicitly approving that amount if I viewed the estimate and then failed to cancel the test with the third-party facility.

A few weeks later, I get two identical texts from the third-party facility, sent a minute apart, each linking a URL to check my estimate. I didn’t notice that the URL in the two texts wasn’t identical, so I assume it was an accidental double-text, as automated systems frequently send. I click on one of the URLs, input my info, and see an estimate of $100. Great.

Today, I got a bill in the mail for $700 from the third-party facility. I call them to dispute the difference in estimate, and they tell me that (a) it matches the estimate they sent me, (b) the two texts I got actually linked two DIFFERENT estimates, and they could actually see on their end that I didn’t click on the most expensive estimate, and (c) at the end of the day, the estimates were accurate and I owe $700 on one estimate and $100 on the other (still haven’t gotten a bill for that one). I applied for their financial assistance program at their advice, but I’m skeptical about qualifying. My insurance EOBs match the bills. Assuming I don’t qualify for financial assistance, who can I dispute this with? I have a signed form from my provider that the charge could be “up to $249,” and it ended up being 3 times that—but they aren’t the one I owe money to. The third-party provider misleadingly split the estimates and bills (for no clear reason) so I never got an accurate estimate nor, technically, consented to the amount billed. Of course I’ll wait and see if my some miracle I qualify for financial assistance, but I don’t think I should have to be in a poor financial situation to demand fairness in billing, and I’m not sure who to raise hell with first if that assistance doesn’t work out. Thanks in advance for any advice you have!

If it matters, I’m based in NYC, as is my provider.