Many Americans with high-deductible health insurance face a cold reality at the start of every year: Those deductibles will have to be paid before most insurance coverage starts.
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Many people don’t understand that they will still have to pay the coinsurance after meeting the deductible, said Nicole Broadhurst, CEO of Tennessee Health Advocates, which helps patients with medical billing. That law requires that patients receive in-network coverage with no additional billing for most emergency care. It also offers other protections for patients treated at an in-network hospital.There are several organizations that help people navigate medical bills. They include Broadhurst’s Tennessee Health Advocates and the nonprofit Patient Advocate Foundation, which offers anPatients should be persistent in asking for help or finding out why an application was denied.
Broadhurst recommends getting those early in the year. If doctors find something they need to treat, then you have the rest of the year to figure out how to handle that financially.
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