Law Offices of Gregory P. DiLeo, APLC

Serving the New Orleans
Community for Over 38 Years Free consultations504-522-3456 | 866-522-3456

What is balanced billing and why should you be concerned?

Do you have health insurance, AND you were involved in an accident, like a motor vehicle collision, caused by someone else? If so, you may find yourself in the position that some people find themselves in - getting billed by the hospital for the entire bill, and where the hospital for some reason is not putting your bill through your health insurance. Why won't the hospital take your insurance? 

Would you be surprised to learn that if you were not in an accident (where someone else was at fault), the hospital would put its bill through to your health insurance, where it would be subject to receiving less than the full amount of its bill, the "contracted rate?" That's the amount the hospital and your health insurer have agreed the hospital would be paid for any particular service.

There are laws to protect you from such unscrupulous collection tactics by health care providers, such as a hospital or health care provider who gives you treatment but refuses to take your health insurance because you are making a legal personal injury claim.
When hospitals agree to take people's insurance, they agree to a rate for services which are discounted and much less than they would charge, if you did not have insurance at all. But some hospitals, motivated by greed, have taken the position that, when you sign their "assignment of benefits" form, the provision that allows the hospital to send your bill to the health insurance company, you have also allowed them to send their bill to anyone else, like your car insurance company, where they do not have to take a discount. Does this seem fair to you??

Please chime in and let us know your thoughts on this practice. 

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