Addressing Unexpected Medical Bills and Coverage Denials: A Commonwealth Fund Survey
Nearly half of insured Americans faced unexpected medical bills within the past year, according to a recent survey conducted by the Commonwealth Fund. Despite the prevalence of these bills, a majority of individuals did not challenge billing errors or coverage denials, potentially resulting in significant financial consequences.
The Findings of the Commonwealth Fund Survey
The survey, which involved 7,873 insured adults across the nation, revealed that 45 percent of respondents were charged for services that they believed should have been covered by their insurance. Additionally, nearly one in five individuals stated that they were unable to access services recommended by their healthcare providers.
Challenges in Addressing Billing Errors and Coverage Denials
Surprisingly, the study found that less than half of the individuals who reported billing errors or coverage denials actually challenged them. This lack of action was primarily attributed to a lack of awareness regarding their rights in disputing such issues. As a result, many individuals experienced delays in care, with nearly 60% reporting such delays, and almost half (47%) reporting worsening health conditions due to coverage denials.
The Importance of Advocating for Your Rights
Sarah Collins, senior scholar and vice president for health care coverage and access at the Commonwealth Fund, emphasized the importance of advocating for one’s rights when faced with unexpected medical bills or coverage denials. Collins highlighted that over one-third of individuals who disputed medical bills had their balances reduced or eliminated, and half of those who challenged coverage denials were successful in getting some or all of their balances covered.
In conclusion, the Commonwealth Fund survey underscores the need for individuals to be informed about their rights when it comes to healthcare billing and coverage. By challenging billing errors and coverage denials, individuals can potentially avoid financial burden and ensure access to necessary healthcare services.
