How to Write a Medical Bill Dispute Letter (Template Included)

How typically do you see the physician? Should you’re the common American, this quantity is 4 instances a 12 months[1]. Every time you go to the physician, you’re handed a invoice, however have you ever ever questioned its accuracy? Figuring out the best way to write a medical invoice dispute letter will be essential in these conditions.

Some research recommend that 8 in 10 medical payments are incorrect[2]. That is the place the medical dispute course of is available in. By writing a medical invoice dispute letter, you may establish these errors and keep away from being unnecessarily overcharged for medical companies.

Whether or not the invoice is for an annual checkup or a hospital keep, we’ll discover some methods to craft the best medical dispute letter.

What Is a Medical Invoice Dispute Letter?

It is a sort of letter that you simply write to the hospital or physician’s workplace to dispute what you may have been charged. As an example, when you see you have been charged for 2 X-rays however solely acquired one, you would write a letter to dispute this.

This letter is barely to dispute prices with the medical service supplier, to not dispute your insurance coverage protection.

It’s also possible to write a medical dispute letter to dispute the price of companies when you can show the greenback whole is unreasonable. Nevertheless, if you’re on the lookout for a reduction or just can’t afford the invoice, writing a medical invoice negotiation letter will probably be a greater resolution.

✍️ Be taught extra: For these navigating healthcare prices, understanding the best way to craft a medical invoice negotiation letter will be invaluable.

High Causes for Writing a Medical Dispute Letter

There are two important causes for disputing medical payments: errors and overcharging. For the very best outcomes, you’ll need to craft your letter across the cause in your dispute.

1. Billing Errors

It’s vital to do not forget that docs and hospital workers are simply people who’re able to making errors. That outrageous medical invoice you acquired might be not malicious. It could simply be the results of a clerical error.

The commonest varieties of billing errors embrace:

  • Duplicate prices
  • Coding errors, together with upcoding
  • Mistaken identification (i.e., they charged you rather than one other affected person with an identical identify)
  • Canceled procedures
  • Bundled vs. unbundled pricing (i.e., receiving a reduction for the complete process)

Estimates on how steadily medical payments include errors vary from a conservative 30% as much as a whopping 90%. These errors hit $68 billion yearly only for hospital billing errors[3].

🏥 Be taught extra: Medical bills weighing you down? Uncover 17 methods to alleviate that burden in our newest information.

2. Unreasonable Pricing

Generally, all the fees in your medical invoice are correct, however the closing whole continues to be outrageous. If so, you may provoke a dispute based mostly on unreasonable pricing.

To confirm that the fees are, in reality, extreme, you’ll need to collect proof. If in case you have a earlier invoice for related companies that have been a lot decrease, you need to use this as proof of unreasonable prices.

One other good supply of proof could be an estimate of the invoice in your companies from both this supplier or different native suppliers. As an example, when you in contrast the costs provided by a number of different suppliers and so they all got here in with decrease totals, you would use this as proof of unreasonable pricing.

Should you don’t have earlier payments and/or can’t get estimates from related suppliers, you may try the Clear Well being Prices web site for steerage on what prices are cheap versus unreasonable.

💳 Be taught extra: Selecting the best methodology to settle medical debt is essential; uncover the intricacies of utilizing loans vs. bank cards in our in-depth publish.

What to Do Earlier than Writing a Medical Invoice Dispute Letter

Earlier than writing up your dispute letter, there are just a few items of data you’ll need to collect.

The primary and most vital could be acquiring an itemized copy of your invoice. Medical payments are sometimes prolonged and complex, so that you’ll have to undergo the invoice line by line to establish any errors.

Gathering insurance coverage documentation also can assist together with your dispute. In case your EOB (rationalization of advantages) comes up with a distinct whole than your medical supplier, this may very well be an indication of doable billing errors.

As a closing step, you’ll need to collect info out of your supplier on what must be within the letter. Issues like affected person identification numbers, billing numbers, who the letter must be addressed/despatched to, and so forth.

⚠️ Warning: Whereas gathering all wanted info and paperwork is important, don’t delay writing your dispute letter too lengthy. Many hospitals and physician’s workplaces have a restricted dispute window (i.e., 30 days).

Pattern Medical Invoice Dispute Letter

Your Identify

Your Handle

Metropolis, State, Zip

As we speak’s Date

Hospital or Physician’s Identify

Billing Division (elective)

Hospital or Physician’s Handle

Metropolis, State, Zip 

Account or Billing ID Quantity

To Whom It Could Concern:

This letter is to formally inform you that I’m disputing prices on the invoice [bill number here, or date if there isn’t a number]. This invoice issues [describe service here] carried out on [date/date range]. I’m disputing [bill line item] cost for [charge amount] as a result of [reason for the dispute].

I’ve included [dispute proof] exhibiting [add details]. I’ve additionally included [add details for any additional evidence you provide]. As you may see, from the data I’ve included, [restate what you are disputing and why].

I wish to request that you simply ship me a revised invoice the place [charge being disputed] is eliminated (or adjusted). I hope to listen to from you as quickly as doable upon receiving this letter. Please contact me at [phone number] or [email address].

Thanks in your fast consideration to this matter.


Your Signature

Printed Identify

Account or Billing ID Quantity

Checklist of Enclosures (elective)

Tips on how to Write an Efficient Medical Invoice Dispute Letter

The above letter is only a pattern. Your medical invoice dispute letter must be personalized to your distinctive state of affairs. It also needs to be well mannered {and professional}.

Listed here are the important thing parts that your dispute letter ought to include.

Man Writes Effective Medical Bill Dispute Letter

Billing/Affected person Information

This information ought to be included in an easy-to-read part above the letter physique, and it may be repeated in your letter’s introduction in addition to your signature.

Embrace any info to assist establish you and the invoice(s) in query. As an example, in case your hospital/physician’s workplace assigns affected person IDs or distinctive billing numbers, embrace this info.

Different affected person and billing information, similar to date of beginning, invoice whole, service date, and so forth., may also be included.

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Description of Dispute

Your letter intro ought to concentrate on what you’re disputing and why. If you’re disputing billing errors, listing which objects in your invoice are incorrect and what sort of error is concerned (i.e., duplicate cost).

As an example, “I’m disputing the 2nd chest X-ray cost as a result of it’s a duplicate cost.”

If you’re disputing based mostly on unreasonable pricing, you’ll need to state upfront why you consider the fees are unreasonable. As an example, “I’m disputing the MRI cost as a result of the entire was $800 greater than the unique estimate.”

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Proof of Dispute

When you’ve outlined what you’re disputing and why, you’ll want to supply proof to help your declare.

You may reference the medical invoice for particular errors, like duplicate prices. I.E., I’ve included a highlighted copy of the itemized invoice exhibiting the duplicate prices.

Different errors could require extra proof. As an example, in instances of mistaken identification, chances are you’ll have to show who you’re and supply proof that you simply didn’t obtain the medical companies charged.

For pricing-based disputes, you may cite any authentic estimate you acquired, prior payments for a similar service, or a web site like Process Value Lookup. I.E., “I’ve included the estimate from XYZ supplier exhibiting {that a} value of $500 for this service could be truthful.

Request for Contact

The final little bit of your medical invoice dispute letter ought to embrace a request for a revised invoice and directions on the way you want to be contacted. As an example, “I wish to request that you simply ship me a revised invoice the place the MRI cost is appropriately adjusted.”

It’s also possible to embrace a timeframe in your medical invoice dispute letter for while you wish to be contacted, i.e., 30 days. Simply bear in mind to be well mannered and set an inexpensive timeframe.

What to Do As soon as You Have Despatched the Letter

When you’ve despatched the letter, you’ll need to observe as much as confirm that the letter was acquired. Even when you despatched the letter by licensed mail, you’ll nonetheless need to double-check.

In case your letter has been acquired and an investigation opened, you’ll need to know what this implies. Is the due date on maintain? Are you able to proceed receiving companies from this supplier? How lengthy will it’s earlier than they decide?

You’ll need to maintain a document of all communication; this will embrace saving copies of emails in addition to noting down the time and date of telephone calls and who you spoke with.

Simply bear in mind the dispute and investigation course of can take time. Frequent contact is OK, however calling or emailing day by day seemingly received’t accomplish a lot.

What to Do When Your Dispute Is Accepted

Congrats, the hospital or physician’s workplace has agreed with you and authorized your dispute. In the event that they haven’t already supplied it, request a revised copy of the itemized invoice exhibiting your new whole.

Save any communication you obtain in the course of the dispute course of to make sure the inaccurate invoice isn’t charged in opposition to you once more later.

What to Do When Your Dispute Is Rejected

If the hospital or physician’s workplace outright rejects your dispute or is just unresponsive, there are extra steps you may take.

If in case you have proof of an precise billing error, it could be time to escalate the problem to a supervisor, contact a affected person advocate, or submit a grievance to state regulators. Talking with an lawyer can be a last-resort possibility.

When the dispute was on account of unreasonable pricing, you would attempt an alternate route. Particularly, the No Surprises Act gives a dispute course of when your prices are $400 or extra over the unique estimate.

Should you didn’t obtain an estimate, and the supplier received’t budge on their pricing, it could be time to pursue different choices for negotiating your medical invoice.

👉 Be taught extra: Unpacking the “No Surprises Act”: Be taught the way it’s altering the panorama of sudden medical prices.