Q: My insurance company declined to pay my hospital bill on the grounds that I should have been treated as an outpatient.I
I had a skin infection on my hand from a cat bite.
I asked to be treated as an outpatient but the doctor refused saying I had to be admitted.
I haven't got the bill yet but I expect to get one soon.
The insurance company says the hospital handled this the wrong way.
What am I suppose to do?
A: You have three options. One, you can appeal the insurance company's determination. Two, you can see if the insurance company's determination voids some or all of the medical charges because of the violation of the agreement between the doctor/hospital (I have seen over $200,000 worth of charges voided this way for clients). Three, you can pay the difference. Options one and two will require a lot of time on the phone, but the payoff if it works will be great. Option three is the easiest, but also the most expensive.
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