Don’t Pay Those Medical Bills.

Yes, I said it. Countless times I have run into weary-worn caregivers who are frustrated by the overwhelming cost of care. According to AARP, out-of-pocket (OOP) costs for caregivers can be upwards of twenty percent of a caregiver’s income.

https://www.aarp.org/caregiving/financial-legal/info-2017/out-of-pocket-cost-report.html

And this is only getting worse.

I often find that clients of mine or even those I’m caring for are quick to pay any medical bill that comes to their mailbox. I encourage you to STOP that right now. We in caregiving and Elder healthcare know that there are many documents that come to our door that say: ‘This is Not a Bill.” And yet it looks like a bill, it sounds like a bill and it often has wording that indicates, “your share of expenses.” I’m sure you’ve found, as I have, that with my mother’s generation:”If it’s a bill, you pay it.” Even if it just ‘looks’ like a bill, many seniors will pay it, just to get it off their plate and to do the right thing.

Unquestionably, we should not pay something that says, “This is Not a Bill.” I’ve been able to either take those away, sneak them out of the house, or train my caregivees not to pay them. That has made a significant in-road into this problem. But it is the real bills that can cost you more than you know.

I tell the tale of a bill I received for my brother-in-law from the hospital for $4500.00, after his death. He had excellent health insurance and was ill for many months prior to his death, so this bill seemed far too exorbitant based on what I knew about his insurance. Every month for a year, I received this bill. Every two or three months, after I called to inquire if they had submitted it correctly to insurance, if they had processed the bill, or if they had calculated all the insurance discounts, they would tell me to wait as the bill was still in process. But they continued to send me the bill, even though they were waiting for payment.

I could have paid that bill ten times before it was properly processed. The actual final bill was $0.00. Yes, zero dollars and zero cents. Just try getting back $4500.00 you’ve overpaid because you were hasty to ‘pay’ a bill. And as I alluded to at the beginning of this article, often caregivers pay these bills out of their own pocket. Don’t do that either, if you can help it, ever. That discussion is for another day.

But for now, when you receive a bill, make sure it is correct. Make sure it has been processed both by Medicare and your Medigap policy, if you have one. Make sure you have received all your proper discounts. Don’t ever be afraid to call and question a bill. Never be afraid to wait, just wait and see if the bill has been processed properly. You can and will save yourself money, frustration and maybe even some heartburn.

Then perhaps you can have the last laugh!

“You Just have to Laugh……….”

©2018 Cathy Sikorski

10 thoughts on “Don’t Pay Those Medical Bills.

  1. My only care giving is to myself… but i had to laugh when month after month i received a 5 cent… now that is cent….bill…i finally taped a Nickel on it and sent it back… to no avail…. so i called. The women in charge was so nice and of course they have a system that doesn’t ask for pennies…she did laugh when i told her what i did…

    1. What about when they are charging late fees and threatening more? But I know what you are suggesting, so something to think about. =^..^=

      1. I know that they do that, which is why a phone call is imperative. You have to speak to them and be adamant that you are not only not paying fees but that this bill is not processed properly. My favorite thing is to say “This call is being recorded for quality assurance” when they answer the phone…they have no idea how to proceed! hahhahahah

    2. OMG…the craziest part of this is that you ACTUALLY PAID the bill! Think about that!

      1. Not quite. I called up and hollered (in a nice way) and got “satisfaction”. So, like Elizabeth Warren, I persisted. ;^)

    1. So true…I worry about it all the time. I wonder if anyone ha ever done a study that shows how many millions have been overspent in paying bills that were ultimately paid by insurance?

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