A Savvy Patient's Guide to Avoid Unexpected Charges

These are my personal opinions, not the views of my employer.

As someone who has been neck deep in the medical billing industry for the last year, I wanted to share some valuable tricks I’ve picked up to avoid being overcharged during doctors’ visits.

Let’s say you are planning a visit to Dr. May Dermatology. Let's dive right in and explore these essential tips:

• Check if the Doctor is In-Network: Before booking your appointment, it's crucial to verify if your chosen dermatologist is "in-network" or partnered with your insurance plan. This simple step can save you from unexpected billing surprises down the road. Remember, just because a dermatologist supports a specific insurance company (e.g. United Healthcare) doesn't necessarily mean they are part of your specific insurance plan (e.g. United Healthcare Choice Plus).
• Understand your Insurance Deductible: Understanding insurance terms may feel like learning a new language, but it's worth it! Terms like "deductible" and "co-payment" are key to grasping the financial aspects of your visit. Often, you'll only get charged a co-payment for dermatology visits (e.g. a flat $60 per visit) only after you've met your deductible amount.
• Be Savvy about your go-to Pharmacy and Lab: If your doctor needs to prescribe medicine or send samples to a lab, that’s another step in the chain where you can be overcharged.
• During your visit, constantly ask “will this be an additional cost on top of my visit?”: While at the doctor's office, be proactive in understanding the procedures and costs involved. If your doctor suggests additional tests or procedures, don't hesitate to ask questions about potential extra charges. Clarifying these details during the visit can help you make informed decisions and avoid unwelcome billing surprises.
• Review Your Medical Bill: Once you receive the bill, take the time to review it carefully. Ensure there are no duplicate charges or unexpected items that you didn't agree to. If you spot any discrepancies, reach out to your provider for clarification. In many cases, they are understanding and willing to assist with any billing concerns.

By following these practical tips, you can approach your next trip to the doctor with confidence and financial peace of mind. Navigating the world of healthcare might seem daunting, but with the right knowledge, you can make informed decisions about your expenses. Stay informed and empowered, and here's to a successful and cost-effective visit to Dr. May Dermatology!