Question: Issue with balance billing – Medical Bill Survival Guide
The Medical Bill Survival Guide complete book
Available Now: Medical Bill Survival Guide by Nicholas Newsad in print and e-book format at

Second place in the Reader Views Literary Awards, "Health" and "How To" categories

It does not matter how bad your financial situation seems to be, The Medical Bill Survival Guide will provide you with the knowledge to help yourself or your loved one. Medical bill anxiety is caused by miscommunications and misunderstandings. This book teaches easy, effective strategies for working with insurance companies, hospitals, doctors, and other healthcare providers.

Readers will learn and discover:
  • How process problems cause insurance claims to be rejected and denied
  • How to access public insurance programs for the uninsured and unemployed
  • How to access provider-based financial assistance and charity care
  • How to demonstrate financial hardship and
  • How to talk productively to billers and collectors.
The information in this book will benefit:
  • Insured patients who are experiencing difficulty paying the deductibles, co-pays, and coinsurance.
  • Uninsured patients who are unemployed or cannot afford health insurance.
  • Patients and the families of patients who have survived a catastrophic medical episode like cancer, heart attack, or major surgery.
  • Patients with chronic diseases requiring continuous, costly medical care like heart disease, COPD, or diabetes.
Nicholas Newsad, MHSA is a senior analyst at a national healthcare management company. He holds a master's degree in hospital and health service administration from Xavier University. He lives in Westminster, Colorado.He has served as a senior healthcare analyst for six years and has also served as an interim surgery center administrator. He has been quoted and interviewed in the L.A. Times, NY Daily News, MSN Money, and Smart Money, as well as numerous other magazines, newspapers, and radio shows.

Do you have a horror story about your medical bills? Insurance company? Or medical provider? We want to hear about it. at

Question: Issue with balance billing

0 Comments - Posted by nicknewsad on December 16, 2012 at 11:11 pm

Cheryl writes:

I have an issue with the practice of balance billing when a patient has primary, secondary and sometimes tertiary insurance coverage. The medical practice in question has contracts with the insurance companies but instead of being sure the COB is done between insurance companies the practice takes the greater discount of the two insurances then balance bills the patient? I have done medical office collections and billing 20 yrs and have seen some things but to file a grievance report and nothing be done but the immediate supervisors telling me this is what and how we have always done this does not make it right or legal? Please advise of next next if any options to right a wrong.



Nick writes:

I would need more details, including what state they are in, but my inclination would be that this falls under the jurisdiction of the state insurance commissioner. Balance billing patients with insurance is illegal in over 40 states and this usually falls under the state insurance regulations. They almost always have a “complaint tool” on the commissioners website.

Email me some details if you need some help finding the regs in your state.


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