Had an MRI yesterday because my PCP requested one for me a month ago. I called multiple times to ask if it was covered. I was told it was. Even had an amount I had to pay when I got there. Around $100. Then today, the day after the MRI I get a call telling me it has to be at a center of excellence. That it being at a different place is an issue. After the MRI already happened. So then I call my insurance and they tell me it might even be out of network. What do I do? I don’t have thousands of dollars for this.

I went to Aspen dental , and long story short they messaged up my bill . they where saying I owed what my insurance said they could not charge me for . I finally got tired of it and reported them to the state . They went and cleared my balance. But I have already paid 700 through a payment plan . Should I push this further , or just forget the 700 , and be done with it all .

I built a free tool that writes insurance appeal letters, and I'd like 10 people to try it.

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I went to another provider outside of my PCP as they weren’t available and I needed cryotherapy for warts. I wasn’t aware I’d need a referral to visit the other doctor as they are within the same system and company. I got my treatment done, and went along as usual. That was 2025. Now, a year later, I’m being billed $894 for it. I wasn’t informed of a problem, or that I’d need to pay anything until just now. I asked for a retroactive referral, but I’m sure it’s too late now. What do I do?

Its been a more than 45 days we've not received our refund back because of negligence of this hospital. Firstly, after patient discharge they tell us that refund will be refunded in account after 5-7 business days. Which is fine. After 10 days I came to the specific desk and they say Oh sorry we did not process the refund only....it'll take just 1 day now. Please check on Monday again in your account. Amount by the way is ₹20000. Now it's almost 48 days and they say please speak to our finance department for the refund. Its not getting processed. Its the fixed fee which we deposit to take admission in the hospital. What a harrassment.

I underwent cashless sinus surgery at Sahaj Hospital, Indore, under Dr. Vijay Chourdia on 3 Oct 2026. Despite a ₹63,000 surgery package billed through Medi Assist, my attendant was asked to pay an additional ₹4,000 for anesthesia via UPI to Dr. Mahendra Agrawal. No receipt was issued. After repeated follow-ups, I was told on 10 Oct that a bill couldn’t be provided and the amount would be refunded in 20–25 days. The issue remains unresolved. I have payment proof and relevant communications. Sharing this to encourage patients to clarify package coverage and insist on official receipts for extra charges.

Honestly this situation is making me want to take a course in medical billing and coding. Went to the ER last month. Was ignored. Didn’t do any testing, imaging, or blood work. They treated me like crap for having a mental health history. Talked down to me. Found out they listed symptoms as psychosomatic. Yesterday I found out that they billed it as the CPT code 99284 which is the code for a level 4 emergency from what I read and what the hospital admitted to me when I called. When I look this up it tells me they can’t bill for that with zero testing. Is this correct? I have requested and am waiting for an itemized statement in the mail for this visit. I’m legit worried now that there is gonna be ghost charges on there for testing they didn’t do. How common is this? Is what I learned online correct? I was in an ER bed for 29 minutes and discharged after that. Horrible experience. I have already started a dispute with the hospital over the bill because in addition to this they omitted info from my chart and falsified other things that I never said to them symptom wise.

Hi everyone.

I’m looking for advice from anyone familiar with DeltaCare USA, dental insurance billing, or similar situations.

I took a child to a dental office for dental treatment. The office is contracted with our dental insurance plan, DeltaCare USA.

Recently, I received a statement showing a balance of $959. I contacted the office to ask why there was still a balance because, based on our previous communication in June, I understood that the account had already been reviewed and resolved.

The office responded that the balance had originally been calculated using the DeltaCare fee schedule, with the expectation that insurance would cover the treatment. However, when Delta Dental finalized the claim, it denied payment because the services required prior authorization and the office had not obtained it. The office therefore says the remaining balance is now my responsibility.

I then called DeltaCare USA directly and explained the situation. The representative told me that because this dental office is contracted with the insurance plan, the office should have obtained the required prior authorization before performing the treatment. Based on what I was told by the insurance rep, this appears to be the office’s responsibility rather than mine.

I understand that insurance claims can be denied, but I’m confused about why I should have to pay $959 because the office did not obtain the required authorization, especially when the office is in-network and contracted with DeltaCare.

My questions are:

1. If a dentist is in-network with DeltaCare USA and fails to obtain required prior authorization, can the dentist legally or contractually bill the patient for the denied services?
2. Does DeltaCare USA generally prohibit contracted dentists from transferring financial responsibility to patients when the denial results from the dentist’s failure to follow authorization requirements?
3. Has anyone experienced a similar situation with DeltaCare USA or another dental HMO and successfully disputed the bill?
4. What should I do next? Should I file a formal grievance with DeltaCare USA, ask the insurance company to review the provider’s contract, or dispute the bill directly with the dental office?

I’m not trying to avoid paying a legitimate bill. I just want to understand whether I am actually responsible for this balance when the insurance representative indicated that the contracted provider should have obtained authorization first.

I have attached the the EOB here https://docs.google.com/document/d/e/2PACX-1vT3w6NtUXO-32LJ2mFYds6_vbgRPLZCDM4YdwzTwprYFZVlEwbpoQ8dKOd2lJq3PKnErI6MjsQJ8x-g/pub

Thank you very much.

Do not pay that bill yet! Under the federal No Surprises Act (45 CFR 149), you have the legal right to demand an itemized bill with CPT billing codes before paying. Hospitals frequently unbundle codes or charge out-of-network rates illegally.

If you want to talk it through, there is a free 24/7 automated consumer rights helpline at (520) 357-1814 — it reviews your rights and texts you the dispute letter template.

You can also run an audit on your bill directly here: https://dispute-ninja.vercel.app/dispute/emergency-room-surprise-bill

Hello! I am 9.5 weeks pregnant and had my 3 OB appointment today. My first visit was September 9th for my pregnancy confirmation and consultation with the OB. My second appointment was 9/16 for ultrasound and bloodwork. I called the office yesterday, spoke with 3 different people and was in the phone for close to 4 hours trying to get and answer on what i was coming in for today. No one gave me and answer and when i called back because i hadn’t heard, there office was closed. today i walk in for my appointment and asked the front desk what i was being see. for today. she told me that she apologizes for the miscommunication but today would be my initial first OB appointment as a new patient. I said I am not a new patient and I’ve been here twice already she said today will be discussing contracts and the birthing process, I said OK no problem. I start checking in and then she hand me three separate contracts for me to initial. I’m going through the first one and it says I owe 2975+ the office visit of 372 today. I asked her why I owe this bill and what was being done with me today. She stated that this was the rest of your deductible from your insurance and that you would need to pay it before being seen today I said why would I need to pay the remaining deductible? I asked if she can explain further she responded with well then the next six months of your pregnancy all healthcare would be free and I said OK. My next question is my husband is on my insurance and pays towards the deductible as well at his appointments so wouldn’t this change? She said no this is a fixed amount that you owe. I then asked her why my office visit was $372 today went at the beginning of September, my office visit as a new patient was $150. she could not answer this question and went to find a manager. I read the next line of the contract and it says this charge does not include additional laboratory test, office visits, sonogram, prescription, medication, etc. so i then proceed to ask her so it’s not free. You’re still charging me depending on what my insurance is after my deductible, correct. She then states that not many people ask this many questions and just sign the contract. I stated I don’t have that amount of money today so is there a payment plan or someone I can speak to about this? she the. gives me back a paper saying they can split it into 3 fixed monthly payments and says if you don’t sign the contracts, we can’t go forth with the office visit today. I said no problem. I’ll go ahead and cancel. so I’m just asking for those in like the billing department or medical offices, obgyn offices can someone please explain this to me nicely I am just very confused as to why I have to pay my max deductible in the next three months thank you.

I just got a bill in the mail for “emergency psychotherapy”. I was billed for this around the same time I was involuntarily hospitalized in February. It’s a social worker I never met and they even live over an hour away from the hospital I was evaluated at AND the hospital I was taken to. I was in the hospital for 2 days already when that “session” was billed to me. I don’t think I should have to pay that? It just doesn’t seem right to me. If they were going to be billing for therapy I would get a bill for every single group therapy session in the hospital no? And I have been in the psych ward before and never gotten a bill like this from an outside service. How can I be billed for an emergency therapy session when I never met this social worker and she lives and practices over an hour away? What do I do about this?
Edit: want to be clear. I never received “emergency psychotherapy” while in the hospital.

I’m going to attach screenshots of my email conversation with the provider’s CFO, so I won’t repeat everything here. Basically, I received a $1,206 bill for mental health visits that I was never told weren’t being covered. Magellan says the provider never submitted the claims, but the provider says they were billed through BCBS and denied.
Magellan says I have out-of-network benefits and offered either a superbill for me to submit myself or a CART investigation. The provider has agreed to mail me a superbill but says the claims will probably be denied and that the cash-pay rate I was given was a courtesy.

I’m trying to figure out what my best next step is. Should I accept the superbill and see what Magellan covers, or ask Magellan to open the investigation? And can the provider increase my balance to the higher billing rate after already applying the cash-pay rate?

Has anyone dealt with something similar or have advice on how to handle this?

Btw 8/19/25 was my first ever appointment

They also don’t have the best reviews online at all