How to Stop Surprise Medical Bills Under 2022 Law
HTML-код
- Опубликовано: 16 июн 2024
- You need to know about the law to stop surprise medical bills that went into effect in 2022. Nobody likes being surprised by a bill, especially a large medical bill that could arrive months after treatment. In this video, learn about a new law designed to stop surprise medical bills, and how to protect yourself from surprise medical bills that the Federal No Surprises Act doesn't cover.
Time Stamps
0:00 Introduction to the Federal No Surprises Act
1:08 Introducing Attorney Kaisa Janzen
1:45 What is the Federal No Surprises Act?
2:15 What is Balance Billing?
3:30 You may be asked to pay more than the Out of Network Co-Pay
4:18 It’s hard to get medical pricing when you need it
4:48 Kaisa suffered her own surprise medical bill!
6:40 Ground ambulances are not covered, but air ambulances are
8:33 Exclusions to the Federal No Surprises Act
9:44 How to prevent a surprise medical bill for a routine lab test
11:28 Whom to call when you get a surprise medical bill
Attorney Kaisa Janzen is the Assistant Director of the HELPS Non-Profit Law Firm, based in Salem, Oregon, which helps seniors and others struggling with debt, The firm serves clients in all 50 U.S. states. She explains the ins and outs of the Federal No Surprises Act: what the 2022 law does, who is protected, what the law covers, and what it doesn't. She explains the concept of balance billing, how out-of-network co-pays may not cover everything you expect them to cover, and how even she was hit with a surprise medical bill. Most importantly, she explains how you can avoid surprise medical bills from simple lab tests to ambulance rides or a full-fledged medical emergency.
Jeff Hoyt is SeniorLiving.org’s Editor-in-Chief.
To learn why seniors don't need to worry about old debts, watch • Why Seniors Shouldn't ...
For how to deal with debt collectors, watch • Why Seniors Shouldn’t ...
To learn how seniors can avoid paying taxes, watch • How Seniors can Avoid ...
To learn when seniors should consider Bankruptcy, watch • Seniors and Bankruptcy
Subscribe to SeniorLiving.org on RUclips:
/ @seniorlivingorg
For more tips for seniors: www.seniorliving.org/
\If you're interested in joining the hundreds of thousands of families who've found senior living communities on SeniorLiving.org, read the reviews on our website: www.seniorliving.org/housing/
To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787 or visit helpsishere.org.
~-~~-~~~-~~-~
Like to save money? Please watch: "The Best Senior Citizen Discounts"
• The Best Senior Citize...
~-~~-~~~-~~-~
Note: We receive free products and participate in affiliate programs.
Great advice, thanks!
I can’t go to the doctor right now at all. My Medicare was taken away after 20 years of having it. I’m 63 1/2. They told me I could get Medicare for the working disabled, if I pay part a and b. I meet all the criteria. It has been almost a year and I have not heard anything. I call SS and go up there. Same answer, it’s in the payment center. I can’t get marketplace insurance because of this either. I’m stuck until I’m 65. Thank you for putting this information out. I’m sure it’s a big help to most of we seniors.
Thank you Jeff for your informative video. Recently, I received a GFE of $119.00 about a month before a regular doctor visit at the Banner health clinic in Peoria, AZ. I'd been going to this clinic every 6 months for about 10 years and always paid my bill before leaving 6 MONTHS later, Banner sent me a surprise bill for $56.00, for which nobody in the company - even their office manager could explain why. I asked them if they were aware of the "No Surprises Act" to which they were all clueless. Their answer instead was to send me to a collection agency. And all over $56.00....😳
What if you are 100% disabled veterans under the VA healthcare? Can you do a video on how it could effect Disable Vets.?
Thank you for providing this information. Why are ground ambulances not covered under NSA? We are billed for $1,900 for 5 miles of ambulance ride!
Maybe this is a bit off topic but I want to discuss how the medical community and services changed after the pandemic. Both during it and post. Firstly, doctors wanted to capitalize on televisits. Over the phone doctor appointments thereby ameliorating the dangers of close contact. For my mental health services I didn’t mind yakking it up with my provider. But for legit concerns like an impacted kidney stone, they were trying to get me to pass it at home with pharmaceuticals. AYKM?! That’s when I realized that covid changed triage medicine. The medical community also sought to order many diagnostic procedures for added revenue. Where none were indicated. Once my stone was diagnosed as a 5mm stone lodged in a 2-3 mm ureter, they wanted to test my bladder functioning. With an hour long test of shooting water into my bladder. AYKM!? Advocacy is difficult enough now add doctor incompetence to the equation? I was livid. It’d be like having a severely broken arm, which they know about, and they wanna test your hand functioning.
I’ve been on SSDI for years. Medicare has never given me any grief regarding payments to doctors. Had a hip replacement that cost $65k. My copay was $1000. They don’t drag their feet regarding approval of procedures. When you proactively manage your healthcare, aka advocacy, you’ll be less inclined to getting surprise doctor bills. By saying no to unnecessary medical testing and being apprised of any and all things that pertain to you medically. I’ve never been surprised by a medical bill. I’m having an ultrasound next week. They let me know what my copay would be BEFORE scheduling it. No shocker there.
@jeff hey Jeff I have a question. My wife visted an medical office and we had a contract with the office she signed it and then after the office visit she paid the bill they said was paid and full. Then all of sudden we find out that the office e and lab are 2 separate EIN and companies . The lab is the one that took the blood work but it was never disclosed they were a different company different than the office. She did self pay with credit card this was not an emergency visit . Do we have to pay this lab for those charges if we have no contract niether was it disclosed to her that she would recieve a bill from a third party that wasn't even on the CONTRACT! Do you think this is a good case ? We might sue . Your opinion is highly appreciated
Besides the out of network price, what about the allowable charge and the provider wants to charge the patient the non-allowed part.
So they are calling it co insurance. i saw cardiologist. i asked if in network, they said yes. next thing you no i am getting a bill for physician care honoring the in network payment but my ded went to the co ins. i hjad no idea and i do not know how to fight back. same thing with hospital they have no problem with excepting the full co pay but they are balance billing. i have never paid a ded or co ins for any services i have had in the past.
Hi, does this cover events from 2021 ? My wife went to an in network hospital and needed emergency spine surgery. The surgeon was out of net work. insurance covered $3400 for in network cost and they are demanding the balance bill of $272,000.00 no joke. I just appealed it today but not sure what to do. It’s insane. Please advise.
The law wasn't passed until 2022. To contact the HELPS Nonprofit Law Firm, call 1-855-435-7787.
Every year,We Have spent Trillions of Dollars and we have the worst health system (Health robbery) in the world.