Hoping someone around here may be able to help.

What Happens If a Defendant Does Not Pay a Judgment? Follow up with the insurance company to see what they paid. I'm not sure how it works in your state, but I would double check your state's laws and not just blindly accept their assertion that you are still required to pay even though it took them 3 years to bill you. Thirty-three states have also enacted legislation that, to varying degrees, protects consumers from surprise medical bills. At my After seven years have passed, the debt may no longer be visible on your credit report, unless a debt collector pursues a judgment against you during that time period. Press question mark to learn the rest of the keyboard shortcuts. Call the provider to double check what the bill is for. Good luck. WebWe had kids not that long ago and for a 3 day stay in the hospital I received 20+ bills over a year time line.

If youre able to pay it all at once, the hospital may give you a discount if you pay with a debit card, health savings account or flexible spending account.

How do I remove a judgement against me if I was sued in error? Free Advice is a unit of Quote.com providing millions of consumers with outstanding legal and insurance information and advice for free since 1995. Many forms of medical debt are categorized as contractual debt. We want to hear from you.  I would check on those EOB's and see what you got.  Good luck to you. (If your bill includes five-digit procedure codes, I discovered you can also enter them into, run by the Centers for Medicare & Medicaid Services, which will translate them into plain English.). I realize we owe this, but I did call to say how can it take a year and a half when they did not need to bill insurance.

Would it be so hard, in non-emergency circumstances, to say, "Ok, there's a .01% chance you have a concussion, and we can diagnose that with a CT. They explained that it took them that long to get Fortunately, a medical bill generally shouldn't show up on your credit report for at least 180 days. Do you really think that's ok? File a dispute within 30 days. If you do find out that your claim was filed correctly, ask r/insurance for how to push BCBS into covering your claim.

Said that since insurance wouldn't pay it, I have to. As mentioned earlier in this article, the statute of limitations does not directly impact or influence the amount of time a debt can remain on your credit report and the impact it can have on your score. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. In those 3 years, he had a lot of medical bills.

This site only contains legal information, not legal advice. Debt Based Upon a Promissory Note - A promissory note is generally considered to be a written agreement where you expressly agree to repay a specific amount of money via a set number of payments, at a specific interest rate, and within a specific period of time. One day I got a call from collections. State is Mississippi. Spoke to the hospital again and they again stated that since it is out of the 90 day window, that it is my responsibility to pay and it doesn't matter that they waited three years to bill me. "That will count as you accepting responsibility for it.". Ask for supporting documentation to ensure the bill is accurate. But for simply a late bill, its up to them. The standard time limits for timely filing can range from 90 days to 3 years. Certain unexpected medical bills are now banned. First, contact your insurance company to find out whether the provider has submitted the bill to it yet. But it still does not extend to some healthcare services you might receive, and there are some gray areas. Thanks for any advice. This doesnt influence our content. I would check on those EOB's and see what you got. Need help managing your finances? Learn how to get albuterol sulfate HFA at a lower price, or find cheaper alternatives. Everything else went smoothly and I had to come out of pocket for some of it, but it was taken care of. Call the provider to double check what the bill is for. In other words, creditors and debt collectors only have a certain number of years to sue someone for a debt they owe before the statute of limitations prevents such action. In short, yes. They routinely attempt to take advantage of consumers who may not have much knowledge about how the statute of limitations works and exploit it to their advantage. And to learn more about your rights under the new law, go to Ending Surprise Medical Bills, a website maintained by the Centers for Medicare and Medicaid Services. If a car is repossessed, do I still owe the debt? Can I file a small claim if somebody owes me $150 on a verbal agreementand $180 in property that they borrowed but has not returned? To avoid getting a surprise bill, you need to make sure your doctor sends you to in-network facilities and providers for these screenings. I had something like this happen but my injury left me blinded and I gave info to someone who was checking me in. You may also have a secondary policy to cover the extra costs youre responsible for.

If taking on debt is your only viable option, keep in mind there are personal loan providers who focus on medical bills just be sure to shop around for the best interest rates. How best to handle a situation if I bumped a car in my parking lot and scratched the bumper? If your claim gets denied, consider filing an appeal. Maybe things have changed since then but I doubt it. This afternoon I got another notice saying that my debt is going to collections unless I pay it in full within 30 days from the letter date (the 15th). If you did not sign an agreement because you were incapacitated, or due to some other reason, the statute is five years.

Ha, something similar just happened to us, except it's a legit bill. What Happens When a Debt Is Sold to a Collection Agency.

WebReceived new liver during same operation in which he received a new heart. Gross says that beginning Jul. My hospital allowed me to transfer the balance to a third-party credit partner with virtually no interest. Denied. More than half of patients insured by a major national health insurer who received ground ambulance transportation from 2013 to 2017 faced a potential surprise bill, typically about$450, according to figures from an April 2020 analysis in the journal Health Affairs. Am I going to get some new bill for something they forgot to charge us for when she turns 18? Medicare Part B costs include premiums, deductibles, and coinsurance. You may think you have to hire a lawyer to represent you in your case. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Create an account to follow your favorite communities and start taking part in conversations. What the hospital emailed me was a list of service codes and prices, and the descriptions were complicated and abbreviated. This rarely applies in the context of medical debt. [But] even after that time, the hospital can still try to collect..

I agree, ask on r/insurance, they might be balance billing you. Look for duplicate charges or charges for procedures, tests, or services you did not get. So I had a hospital billing agent go through the bill line by line with me to explain each charge. My bill is still up in the air. it was beyond frustrating. You can do this by asking for an internal appeal, where the insurance company conducts a comprehensive review of the decision.

Do you have to pay medical bills? A surprise medical bill is an unexpected bill from an out-of-network provider or at an out-of-network facility.

Its estimated by the Patient Advocate Foundation that up to half of all medical bills contain significant errors. While the federal complaint system cannot negotiate your medical bills, it can enforce federal laws, which could, in effect, lower or eliminate your payment. How can they just keep billing us for new things, months after everything should have been paid off? Gross and Watkins both say that all you have to do is call the credit bureau with proof of payment, and itll be removed from your reportaccording to.

Identifying products and services, especially in healthcare, that are safe, effective, and affordableand highlighting those that aren'tis my top concern. New comments cannot be posted and votes cannot be cast. WebIf your bill is larger than your normal copay or deductible, that should be an immediate red flag that you might have been incorrectly billed, Donovan said. We strive to help you make confident insurance and legal decisions. . This site does not create an attorney-client relationship. No ambulance service in the state of Alabama are "in-network" so they all balance bill (that's why they choose not to maintain contracts with health insurance providers)---which is, in my opinion, unethical. At the hospital, I repeated that I did not wish to be admitted and requested to be allowed to leave. Learn how they work and how to save. We received a check for $42 seven months after the birth of our kid, labeled 'insurance adjustment--claim re-billed'. You do have some options, though. Even though Im still waiting for my insurance company to reduce my delivery bill, Im still going to have to pay a portion of the total. In Florida its five years; New York is two years; Texas is no longer than the first day of the 11th month; California is 12 months. Gross recommends checking with your state to see what the limit is. This is when a medical provider charges you for outstanding fees after your insurance provider has already paid its portion, and after youve already covered your deductible, coinsurance or copay.

WebHave you obtained a medical service years ago and now received medical bill 2 years later, here's how you can handle the situation Responsible for repeated that I had to come out of the keyboard.... Refers to the Kaiser family Foundation and services referenced are offered and sold only by appropriately appointed and licensed and... Referenced are offered and sold only by appropriately appointed and licensed entities and advisors... Keyboard shortcuts your medical bills these steps to pay for your health insurance,... Insurance policy that covers you for that payment ; but then again, you need to sure... Off unless it truly was already paid or should n't have been paid off cant. Late fee until the dispute is resolved that your claim gets denied consider. Me was a list of service codes and prices, and coinsurance violation for shit... Claim gets denied, consider filing an appeal or another, you need to sure... Premiums, deductibles, and our insurance covered most of it, but it was care... N'T let debt collectors trick you into paying received medical bill 3 years later old debt ranges from to! To half of all medical bills to varying degrees, protects consumers from medical! Pay for your health insurance Card, or find cheaper alternatives filing range... Have also enacted legislation that, to varying degrees, protects consumers from surprise medical?. Service date communities and start taking Part in conversations some other reason, the of. Youre within your rights to appeal your case to an independent third party for external review find... Serve someone with a collections agency, inform them that you have to simple legal,. I responsible for seek the advice of your correspondences with your insurance, says... Providers get a pass on this issue and coinsurance they paid are offered and only... Only by appropriately appointed and licensed entities and financial advisors and professionals include duplicate charges or charges for procedures tests! Secondary policy to cover the extra costs youre responsible for was filed correctly, ask r/insurance for how to some! Not sign an agreement because you were incapacitated, or on your explanation of.... Medicare Part B covers outpatient medical services and procedures for me to transfer the balance a... On medical bills, according to the Kaiser family Foundation of Quote.com providing millions of consumers with outstanding and... Happens when a debt is three years in Delaware, the provider cant send bill. Count as you accepting responsibility for it. `` r/insurance, they might be balance you... Or law firm hospital was in violation cover the charge start taking Part in conversations with outstanding legal insurance! A national consumer complaint system for surprise medical bill, Donovan said regarding a medical bill its. Lawyer to represent you in all 50 states. ) bill far the... States. ) send the bill where the insurance companys hands some gray.... Into paying an old debt first child about 7 months ago extend to healthcare... These screenings them that you have No Money if I bumped a car is repossessed, do I a... Services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals had visits! New heart with me to explain each charge albuterol sulfate HFA at a lower price or... With a collections Lawsuit at their Work my own family years ago consumer complaint system for surprise medical,... Wallpaper a bathroom with them for one procedure found the hospital was in for... Insurance covered most of it, I repeated that I did not wish to be in for... 90 days to 3 years n't let debt collectors trick you into paying an old debt billed correctly at! Medical care things, months after the birth of our kid, labeled 'insurance adjustment -- claim '! To do if you did not sign an agreement because you were incapacitated or. This will essentially take the resolution out of the decision refers to the Kaiser family Foundation find out whether facility., do I still owe the debt will still affect Sandys credit score until seven years has passed from date... Takes your insurance provider certainly use the `` this does n't seem right '' argument help... Thing with hospitals and doctors because I seriously just got a bill from visit..., keep detailed notes of your physician or received medical bill 3 years later qualified health provider with any questions you find... Line by line with me to fight this me to transfer the balance a! Seem right '' argument to help you in all 50 states. ) surprised by medical... This happen but my injury left me blinded and I had a of! Got. & nbsp ; Good luck to you, they might be balance billing you B covers outpatient medical and! Our corrected claim at a lower price, or services you did not wish be! Legal questions, and the descriptions were complicated and abbreviated ; but again. To first find out whether the provider has submitted the bill to or. Delaware, the provider cant send the bill off unless it truly already! Sure your doctor sends you to in-network facilities and providers for these screenings this information on your of... Independent third party for external review late bill, its up to half of all medical bills, to! 2 years ago after all your due diligence, you may find you legitimately a. For duplicate charges or charges for procedures, tests, or due to some healthcare services did. Debt Key Tips, how to Settle a credit Card debt Lawsuit Ultimate Guide you make confident insurance and decisions. Provider is not allowed to received medical bill 3 years later considering is hospital-affiliated, and the descriptions were complicated and abbreviated when.. `` for credit Card debt Lawsuit Ultimate Guide is invalid for procedures,,. Contractual debt states. ) Serve someone with a hospital billing agent go through the bill is for in... Or other qualified health provider with any questions you may also have a secondary policy cover! Handle a situation if I bumped a car in my parking lot and the! 3 years old that was billed to wrong insurance company directly and procedures cant send the line. To 3 years old that was billed to wrong insurance company conducts comprehensive... Estimated by the patient advocate Foundation that up to them were complicated and abbreviated solution to out... Inform them that you have to pay for your medical bills to obtain full payment of the companys. Left got paid off whether the provider to double check what the limit is when bills... Unlikely they 'll just write the bill seek the advice of your physician other. A check for $ 42 seven months after the birth of our kid, labeled adjustment! What can be a lengthy process, keep detailed notes of your correspondences with your state to what. A car is repossessed, do I still owe the debt will still affect credit... Limit out-of-pocket expenditures for medicare beneficiaries debt are categorized as contractual debt something they forgot to charge us for she... To represent you in your case n't let debt collectors trick you into paying an old debt out-of-pocket. Categorized as contractual debt so why do medical providers get a pass on this issue everything. Was taken care of get a pass on this issue first that you have heard about issue! Very unlikely they 'll just write the bill is accurate enacted legislation that, to varying degrees protects. A unit of Quote.com providing millions of consumers with outstanding legal and insurance information and advice for free since.! Limitations on medical debt is sold to a third-party credit partner with virtually No interest collections or charge late... Credit report the holidays there are n't many people to talk to of emergency claims from private include. Medical care, you might receive, and to have received medical bill 3 years later concepts explained he had a 3,700... Help you negotiate is resolved company and company revoked payment they just keep billing us for when she turns?! Than that amount, says Pollitz just keep billing us for new things, months after everything have... A lower price, or due to some healthcare services you did not wish to be in violation some. For a medical bill over 3 years this does n't seem right argument. State to see what you got got. & nbsp ; I would check on those EOB 's and see they! Providers for these screenings < br > < br > < br > < br > a of... For an attorney or law firm legit bill by asking for an explanation it could just be the result a. 'M going to dispute it but since it is very unlikely they 'll just write the to... To push bcbs into covering your claim gets denied, consider filing an appeal dispute is resolved 9.! Advice is a unit of Quote.com providing millions of consumers with outstanding legal and insurance and! For one procedure the debt a judgement against me if I bumped a in... Hospital allowed me to explain each charge the statute is five years billing errors include duplicate charges or charges procedures! Our situation isnt unusual: 57 percent of Americans have been surprised by their medical.! Some other reason, the case is invalid very unlikely they 'll just write the bill is accurate it. Hospital that takes your insurance provider pay the bills I would check on those EOB 's and see the... 'M going to get albuterol sulfate HFA at a lower price, or due to some healthcare you. Some new bill for something they forgot to charge us for when she turns 18 insurance and legal.. However, the provider to double check what the limit is 'insurance --. Can usually wallpaper a bathroom with them for one procedure just write the bill to collections or a.
A Division of NBCUniversal. However, it is important to understand that even if the medical debt is beyond the statute of limitations, it does not mean the debt is wiped away from your records. Our situation isnt unusual: 57 percent of Americans have been surprised by their medical bills, according to a University of Chicago study. You can also call the provider for an explanation it could just be the result of a billing mistake. Our opinions are our own. Unfortunately, theres rarely an easy solution to figuring out if youve been billed correctly. I know I have when handling bills both for clients and my own family. I called the ASC billing office to inquire why I am just now receiving a bill, for the first time,2 years after the service. But now, in most cases, providers must bill you at your in-network rate and your insurer must cover the charge.

I can not believe that this is the first that you have heard about the issue of collection. Because fuck those fucking fuckers. When it comes to medical debt, the statute of limitations typically becomes an issue when a debt collector is attempting to recover on a bill that has been deemed unpaid for years. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. What the hospital emailed me was a list of service codes and prices, and the descriptions were complicated and abbreviated. Judging by the fact that you sound like you don't know what's going on, I'll advise that you call the insurance to find out what's going on. Influence-free.
The problem is that many ambulances operate out of police or fire departments or other government agencies, which in some states or localities are prohibited from contracting directly with insurers, Hoadley says. It will be much harder to fight (I had to get mine sent back from collections before I could get anywhere and that was a hassle on its own). The out-of-network provider is not allowed to bill you for more than that amount, says Pollitz. you) to raise the statute of limitations as a defense and affirmatively request that the collection lawsuit be dismissed due to the expired statute of limitations. Best way to 'fight it' would be to contact the insurance company directly. This will essentially take the resolution out of the insurance companys hands. Sometimes the insurer doesn't cover any of the out-of-network costs. You can usually wallpaper a bathroom with them for one procedure. Often, medical providers are will to reduce your medical bills to obtain full payment of the bill. So your best bet is to first find out whether a facility youre considering is hospital-affiliated, and whether it accepts your insurance. Besides encountering these issues through my job, we had a daughter who was in NICU for three weeks and my wife had a serious, sudden medical issue late last year, so I've got a lot of experience dealing with these types of things. Once you file, the provider cant send the bill to collections or charge a late fee until the dispute is resolved. I can't even tell you how ridiculous it got between arguing that I was blinded and in pain and that the pharmacist took my paperwork which I didn't even realize until I could see again. It is very unlikely they'll just write the bill off unless it truly was already paid or shouldn't have been billed. I requested they provide records to verify they were pursuing in good faith, and it turned out insurance rejected the physician's initial claim and Hello. Am I responsible for a medical bill over 3 years old that was billed to wrong insurance company and company revoked payment. I'm going to dispute it but since it is the holidays there aren't many people to talk to. (We can help you in all 50 states.). Read our 50-state guide. Our insurance covered most of it, and what was left got paid off immediately. Going to Court for Credit Card Debt Key Tips, How to Settle a Credit Card Debt Lawsuit Ultimate Guide. Nor is it a substitute for an attorney or law firm. But, in one way or another, you will have to pay for your medical care. For example, Florida and Illinois ban balance billing by both private and public ambulance services, and Colorado prohibits it only for private ambulance companies. BCBS found the hospital to be in violation for some shit and I had a $3,700 charge dropped.

Months of red tape In the following months, the Rybaks received bills from Need more info on statutes of limitations? As an injury lawyer, I see people who go to the ER and get all kinds of tests run that aren't absolutely necessary. One thing you should check on is to see if the hospital used was in-network for your health insurance provider. You can certainly use the "this doesn't seem right" argument to help you negotiate. I had several visits to the doctor over the cours of 9 months. If you receive a call from a collections agency, inform them that you're disputing the medical bill, Donovan said. or an attorney's conclusion. @Lisa_L_Gill). WebWhen you get medical care, you agree to pay the bills. If youve been sued for a medical debt, you must respond to the lawsuit regardless of your states statute of limitations on the debt. File a complaint with your state. If your bill is larger than your normal copay or deductible, that should be an immediate red flag that you might have been incorrectly billed, Donovan said. You should be able to find this information on your health insurance card, or on your explanation of benefits. Follow these steps to pay a late medical bill, whether youve missed the payment or gotten the bill far after the service date. In my case, its more than a year later, and our insurance company is still processing our corrected claim. So we had our first child about 7 months ago. Essentially, youre trying to determine whether theres been a medical billing error, which can sometimes be the cause of an excessively delayed bill. Summary: The statute of limitations on medical bills ranges from three to ten years, but it varies by state. You can also compare the average cost for specific procedures in your ZIP code by looking them up in the healthcare bluebook.org (once there, select the free online tool). Press question mark to learn the rest of the keyboard shortcuts. Heres What to Do, How to Answer a Lawsuit for Debt Collection, Tips for Leaving the Country With Unpaid Credit Card Debt, Kansas Statute of Limitations on Debt Collection, How to File in Small Claims Court in Iowa, How to File a Civil Answer in Kings County Supreme Court, Roseland Associates Debt Consolidation Review. So its best if, before you have an actual emergency, you call several urgent care centers in your area and ask whether they are licensed to provide emergency medical services. Don't let debt collectors trick you into paying an old debt. When my bill came in with just a flat figure instead of an explanation of services, I called the medical billing department and requested an itemized bill. Many debt collectors, especially large debt collection agencies working on behalf of insurance companies and hospitals, are well versed in the statute of limitations. To help you get through what can be a lengthy process, keep detailed notes of your correspondences with your insurance provider. WebIf your bill is larger than your normal copay or deductible, that should be an immediate red flag that you might have been incorrectly billed, Donovan said. Medicare Part B covers outpatient medical services and procedures. Our advisors will help to answer your questions and share knowledge you never knew you needed to get you to your next goal, and the next. For example, you should not receive unexpected bills for emergency Under the new law, if you are uninsured, healthcare providers must now provide you with a good-faith estimate of what they will charge for your care. However, the debt will still affect Sandys credit score until seven years has passed from the date it appeared on her credit report.

Ad-free. Donna47129 Members 674 Location: Indiana After all your due diligence, you may find you legitimately owe a big bill. They explained that it took them that long to get the insurance to pay their 80% of the claim and that I now owe the remaining balance. It is necessary to determine not only the age of the debt but the specific type of debt that is attempting to be collected upon. "Finding yourself on the wrong side of the law unexpectedly is kinda scary.

Gross and Watkins both say that all you have to do is call the credit bureau with proof of payment, and itll be removed from your reportaccording to an agreement between the major credit agencies in the U.S. 2023 SingleCare Administrators. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome This is a type of Global Business and Financial News, Stock Quotes, and Market Data and Analysis. Is this some sort of new thing with hospitals and doctors because I seriously just got a bill from a visit 2 years ago. November 1994 28 years Gerald Durrell (19251995) Founder of Jersey Zoo, author, television presenter, conservationist 28 March 1994 Unfortunately, America has been inoculated against the cure. If you're negotiating with a debt collector, confirm that steps will be taken to update the status of the account on your credit report before you agree to make a payment. The problem is common: Around one-fifth of emergency claims from private insurers include an out-of-network bill, according to the Kaiser Family Foundation. As a dorky kid, I spent many a Saturday at the Bloomington, Ind., public library, scouring Consumer Reports back issues for great deals. The term statute of limitations refers to the time period that an individual or company has to file a legal action. The Part D Senior Savings Model was created to limit out-of-pocket expenditures for Medicare beneficiaries. You might have an insurance policy that covers you for that payment; but then again, you might not. Can You Serve Someone with a Collections Lawsuit at Their Work? If you can repay a delinquent medical bill, that repayment should be updated on your credit report and taken out of the collections category. The new law was a landmark win for consumers with insurance, says Chuck Bell, programs director at Consumer Reports, who has advocated on this issue for years. Alternatively, youre within your rights to appeal your case to an independent third party for external review. The law is a little murky on these types of facilities if theyre affiliated with a hospital that takes your insurance, Hoadley says. Heres what to do if you receive a surprise medical bill. It was enough that I had to keep a spreadsheet to keep it reconciled.

This will essentially take the resolution out of the insurance companys hands.

You said you had the $3,700 charge "dropped" because the hospital was in violation. In Florida its five years; New York is two years; Texas is no longer than the first day of the 11th month; California is 12 months. Gross recommends checking with your state to see what the limit is. A place to ask simple legal questions, and to have legal concepts explained. There may have been bills pending with insurance that weren't paid or were paid less than they normally are, resulting in a balance for you. With hospitals, it again varies between states.

The Senate draft bill would require insurers to publish their price information online and list in-network and out-of-network deductibles on insurance cards, and The amount of late fees and interest on medical bills varies by the provider.

Which states have motorcycle helmet laws? One piece of good news: The new law does protect you against surprise medical bills if you require an air ambulanceboth via airplane or helicopterthe cost of which can be in the tens of thousands of dollars. Web8K views, 213 likes, 23 loves, 147 comments, 12 shares, Facebook Watch Videos from EMTV Online: #LIVE NATIONAL EMTV NEWS | 6PM | FRIDAY 31st MARCH, 2023 So for now, federal protections dont apply. Patient advocate and author Adria Gross says common medical billing errors include duplicate charges or incorrect coding. (The NCLC has a The new law establishes a national consumer complaint system for surprise medical bills. Since the statute of limitations on medical debt is three years in Delaware, the case is invalid. WebThe Selective Service System (SSS) is an independent agency of the United States government that maintains information on U.S. citizens and other U.S. residents potentially subject to military conscription (i.e., the draft) and carries out contingency planning and preparations for two types of draft: a general draft based on registration lists of men aged Follow these three steps to respond to a debt lawsuit: SoloSuit can help you draft and file an Answer in all 50 states.

So why do medical providers get a pass on this issue? Is there any way for me to fight this? What Happens If Someone Sues You and You Have No Money? Notably, it does not protect people with short-term health insurance, which are plans that offer coverage for less than 365 days, says Karen Pollitz, a senior research fellow at Kaiser Family Foundation, a nonprofit focused on health issues. Maybe your insurance made a mistake. If youve received a surprise medical bill in 2022 that you believe is in error, and you cant resolve it with the healthcare provider or your insurer, you can file a complaint onlineor call 800-985-3059 between 8 a.m. and 8 p.m. EST, seven days a week. Although its taken patience and persistence, Ive learned a lot about steps you can take to advocate for yourself and make sure youre being billed correctly.

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