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There’s A Strong Chance You Are Paying For Expensive Medical Billing Mistakes

Medical bills are the gift that keeps on giving. Having lost my husband in January, I can attest that not even death puts an end to the steady stream of bills for his care that I still get in the mail. Balance billing, services not covered, out-of-network doctors ? they all come back to haunt you in the form of bills ? including a good number from doctors you?ve never met or heard of, and who you don?t when or why even saw your loved one.

The bills? I expected them. What I didn?t expect was to learn that medical bills notoriously contain errors ? big errors. While there are no comprehensive statistics on medical-billing mistakes, Stephen Parente, a professor of health finance at the University of Minnesota who has studied the subject extensively, told HuffPost that his unpublished research put it at 30 percent to 40 percent of all bills except pharmacy bills. Groups that review bills on patients? behalf, including Medical Billing Advocates of America and CoPatient, put the error rate much higher ? closer to 80 percent to 90 percent. 

And it has serious consequences: Medical billing errors mar the credit reports of roughly 7 million Americans, a spokeswoman for the Commonwealth Fund, a Washington-based nonprofit focused on health-care research, told HuffPost. The credit rating agency Equifax found in an audit that hospital bills totaling more than $10,000 contained an average error of $1,300.

Why are there so many errors being made? 

The answer is simple, says Pat Palmer, national expert and founder of Medical Billing Advocates of America: Insurers don?t actually care. They negotiate a lower rate with hospitals and other medical providers, so the amount of the bill and whether it contains overcharges doesn?t really matter to them. In fact, they rarely even ask to see an itemized bill ? they just work off what is known as a summary bill. Insurance companies don?t have nearly enough staff to review itemized bills in every case, Palmer said, nor would they see a need to when they have already contracted for a lower rate anyway.

Palmer adds, ?There?s a reason you can?t understand your hospital bill. Nobody wants you to be able to.?

She runs her business of reviewing patient bills entirely on commission. In other words, MBAA is so confident they?ll find overcharges, their commission is 25 percent of whatever money they recover for the client. 

?Almost every hospital bill has some kind of error,? said Palmer, who has been in business for about 25 years and now operates in 30 states. 

What do the errors look like?

Inpatient hospital stays are a big-ticket item, and frequently Palmer spots two or three charges for the same item. For example, you pay about $10,000 a day for a bed in the ICU, which includes the higher-level care of specially trained nurses, life-saving equipment and supplies. Yet you might get billed $2,000 a day for ventilator equipment on top of that. The ventilators are part of the high-priced daily ICU bed and shouldn?t be billed for separately, Palmer said.

The MBAA website offers more examples: You arrive at the emergency room on Tuesday at 10 p.m. and the doctor writes an order to admit you as inpatient to the ICU at 11:35 p.m. ? but the room isn?t ready, and you don?t move into it until 2 a.m. Wednesday. The hospital charges you $3,000 for the ICU on Tuesday. Their reason for the full-day charge on Tuesday: The doctor wrote the order before midnight. But if the patient never saw the inside of the ICU until Wednesday, the hospital shouldn?t be able to charge for it.

Blow the whistle, the MBAA urges. A patient must physically occupy a room/unit to incur a daily room charge. A written order to admit does not meet the definition of room occupancy. 

By not seeing an itemized bill, you might overlook some gems like these that Palmer discovered for clients: a mucous recovery system billed at $11.75 turned out to be a box of tissues, and a comfort support device for $120 was actually a teddy bear for the patient to clutch to her chest post-surgery in case she coughed.

The military?s $640 toilet seat, it seems, has nothing on some hospitals.

The out-of-network game

While technically not over-billing, getting zapped by an out-of-network provider who won?t settle for what your insurance wants to pay leads to a different kind of pain. 

In my own case, I received a bill for $1,600 for a plastic surgeon called by the nursing home to examine my husband for bedsores that had developed and festered during his stay there. The plastic surgeon did not personally see my husband, but sent over his nurse practitioner, who changed the dressing on my husband?s wounds in a visit that was completed in less than 10 minutes.

It turns out the doctor the nursing home called was out of network and tried to balance-bill me. For the uninitiated, a balance bill is when the doctor doesn?t accept what your insurance paid him and wants you to pay him more money. 

Lots of people get nailed by doctors who only appear to be on staff at the hospital. They aren?t, and instead work for businesses that arrange staffing for the hospital. So in plain English, you go to a hospital that is in your insurance network expecting what happens to you there to be covered, and it?s not.

These out-of-network doctors who won?t take your insurance lurk in the strangest of places in your in-network hospital: They are the hospitalists who see patients all day long, and many are the anesthesiologists who work in the operating room. Has anyone who is strapped to a gurney and being wheeled into surgery ever stopped to ask the doctor who is anesthetizing them whether he takes Blue Cross? Of course not. And can you imagine telling the ER doctor with the paddles to please back away from the patient having heart failure unless he?s in-network?

This out-sourcing of talent has gotten to be such a problem that 12 states have banned the practice. For example, if you are in New York, every provider who treats you in an in-network hospital must accept the in-network negotiated rate and may not send you a bill. 

Hospitals aren?t alone in overcharging

Inaccurate charges appear on doctors? office visits as well. There are five levels of office visits, as far as billing is concerned. A level 1 visit is the simplest and doesn?t even require that the doctor be in the room; a nurse practitioner or nurse may deliver the care, and it can be something as minor as getting a monthly vitamin B12 or allergy shot. A level 5 visit is supposed to be for more complicated conditions and generally involve some kind of treatment. But, Palmer said, she?s seen it applied to an office visit for diaper rash where the nurse?s application of ointment was billed as a ?treatment.? 

ProPublica took a close look at how doctors billed for office visits, which account for about $12 billion in Medicare spending every year. They found that typically, doctors only charge for one or two of these high-level visits per year for each patient. But nationwide, about 1,800 doctors always bill at the highest level possible for routine office visits.

Overcharges sometimes are caused by human error, such as a wrong billing code being entered. Those are the types of mistakes that can be easy to spot. They include services that weren?t performed, tests that were canceled, and duplicate charges. 

Why aren?t insurers and the regulatory agencies screaming bloody murder about billing errors?

Isn?t it fair to ask where our insurance company or the government are in all this? If you are in an employer-sponsored plan and work for a large company, your employer may have some pull

Why, pray tell, should I have to pay someone to sort through my husband?s hospital bills because my private insurer and Medicare don?t demand that the hospital provide them with an itemized bill? How can I tell if I?m being overcharged without billing transparency? 

For what it?s worth, hospitals say detailed bills are simply too complicated for patients and that they provide the information required by insurers.

But most insurance companies don?t cover cosmetic procedures, and thus, patients want to know how much a procedure will cost them. If plastic surgeons and providers of Lasik can give you a clear price up front, why can?t others in medicine?

Why does this all matter?

In other industries, lawmakers have stepped up and helped end unscrupulous practices. The 1968 Truth in Lending Act gave us clearer terms in writing loans and offering consumer credit. After the housing crisis, the 2009 Mortgage Disclosure Improvement Act insisted that lenders provide clear information to home buyers so no one would get blindsided again with adjustable rates or mortgages they would never be able to afford. So, why not help fix the issues in health care billing?

The problem is, insurance companies have no financial incentive to hunt down mistakes on your behalf. They negotiated their rates with hospitals and doctors long before you got sick, and the dollar amount on the bill they receive might as well be a toddler?s drawing. But it?s you ? the patient ? who gets zinged in the form of paying out of pocket for high deductibles and co-pays.

America?s Health Insurance Plans, the umbrella lobbying group for health insurers, told HuffPost in an email that health plans provide explanation-of-benefits statements, customer service lines and directories of in-network providers ?hoping to educate and engage consumers on their plan benefits to avoid mistakes or issues such as balance billing.?

Beyond that, consumers are apparently on their own.

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Khizr Khan To Trump Resistance: ‘Continue To Speak Louder’

WASHINGTON ? Khizr Khan, the father of a Muslim American Army captain killed in the Iraq War and a forceful critic of Donald Trump during the 2016 campaign cycle, on Tuesday urged Americans protesting Trump?s presidency to keep up the fight.

?People ask me: ?What do you advise under the current circumstances??? he said, addressing a conference hosted by the progressive think tank Center for American Progress. ?This is my humble suggestion to all of us: Under these circumstances, all of us patriots need to remain standing in unity, support one another, continue to speak louder.?

?Support those candidates, support those officeholders who fully understand your democracy, our democracy, our values,? he continued.

Khan delivered a stirring speech at last year?s Democratic National Convention condemning Trump?s anti-Muslim rhetoric and policies. He memorably held up a copy of the U.S. Constitution, asking Trump: ?Have you even read the U.S. Constitution? I will gladly lend you my copy.?

Since the election, Khan has continued to speak out against Trump, promote civil liberties, and support veterans and Muslim Americans. His remarks on Tuesday again referenced his DNC address against Trump.

?My offer to Donald Trump to read the Constitution remains standing,? Khan said. ?One more time, he has proven that he is unfamiliar wth the basic tenets of democracy, our values.?

Khan said Trump?s presidency so far has produced ?violation after violation of our basic tenets of our constitution? and lamented that ?our system of government, where we cherish separation of powers, has been maligned, time after time.?

He reminded the audience that, around the world, people continue to look to the United States as a model, but ?we do make mistakes.?

?We do make mistakes, like last election. We made a mistake,? Khan said. ?We will correct it. We are correcting it.? 

Khan praised ?the resistance? against Trump and urged them to continue holding Trump accountable, specifically referring to the protests against Trump?s travel ban targeting majority-Muslim countries and recent GOP town halls that were packed with constituents.

?In democracy, when you find that your government is not serving your concerns, the only solution you have is resistance,? he said. ?Stand up, speak louder, call your senators, call your congressmen, tell them that if you don?t speak on our behalf, if you do not address our concerns, we will never vote for you, we will never stand with you, we will never contribute a penny.?

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NYC Subway Is Offering ‘Baby On Board’ Buttons To Pregnant Women In Need Of Seats

Pregnant women in New York City have long lamented the lack of courtesy when it comes to getting a seat on the subway ? so much so that one expectant mother even gave a ?Decent Dude? trophy to the first man to offer her his seat (nearly eight months into her second pregnancy…).

Now it seems the Metropolitan Transportation Authority (MTA) is making an effort to raise awareness around this issue. On Mother?s Day, the company announced a new campaign to encourage customers to offer their seats to riders who are pregnant, elderly or disabled.

This initiative follows MTA?s ?Courtesy Counts, Manners Make a Better Ride? campaign, which introduced signs and announcements urging passengers to be considerate of one another and give up seats to those in need.

Through the new pilot program, MTA will offer ?courtesy buttons? to people in need of seats. Moms-to-be can request ?Baby on Board? or ?Please Offer Me a Seat? buttons to wear on the subway if they wish. The buttons are free and will take approximately three weeks to mail.

?Pregnant riders, seniors and those with disabilities often need seats more than others but their condition may not always be visible,? said MTA interim executive director, Ronnie Hakim, stated in a press release. ?We hope this campaign will help their fellow riders to be more willing to offer them a seat without having to ask a personal question first.?

Other countries have implemented similar programs for pregnant women. In 2016, the city of Busan, South Korea introduced the ?Pink Light campaign? to test a solution for moms-to-be seeking seats on public transportation. Since 2005, Transport for London has offered ?Baby on Board? badges to Tube riders.

New York City buses and subways already include ?priority seating,? which customers are required under federal regulations and MTA rules of conduct to give up for riders with disabilities. The new campaign is based on courtesy and will not involve any penalties (other than perhaps making yourself look like an ass…).

Campaign organizers are encouraging people who have buttons to raise awareness by posting selfies with the hashtags #BabyOnBoard and #CourtesyCounts on social media.

The button pilot program will run through Labor Day.  

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10-Year-Old Racially Bullied In School: ‘I Am White, You Should Be, Too’

A fifth-grader has become the victim of racism by his white classmates at his school in Chelsea, Alabama.

Taylor Armbrester, a 10-year-old black student, told that he?s been consistently punched, kicked and called demeaning names by bullies at Chelsea Park Elementary School, which he transferred to in the fall.

The most recent incident reported happened on May 9 during lunch. Taylor told the local outlet in the video above that one of his classmates recited a ?Roses are Red? poem to him in a blatant attempt to degrade him because of his race. 

?Roses are red, violets are blue, I am white, you should be, too. Roses are red, violets are blue, I am white, why aren?t you? Roses are red, violets are blue, God made me pretty, what happened to you?? Taylor recalled the boy telling him. 

On that same day, a girl he considers a friend noticed him playing basketball and asked him to pass her the ball to shoot. Instead of shooting, she threw the ball at him, causing one of his fingers to break. His mom, Shaneka Phillips, told the outlet that she had to take him to the emergency room.

The school?s assistant principal, Mary Anderson, and a guidance counselor met with Phillips and her son to discuss the ongoing issue on Friday. A counselor also met with a student who admitted to being mean to Taylor. 

Anderson told that racial bullying isn?t an issue at Chelsea Park Elementary and called Taylor?s allegations ?an isolated case.?

?We have children of all races,? she said of the school, which has one Pacific Islander student, 23 Asian students, 40 Latinx students, 88 black students and 715 white students, according to the outlet

Phillips said she felt better after the school handled her son?s case, but it?s still been upsetting for her to see her ?sweet kid? deal with bullying. ?This is what he?s expecting out of life so far,? she said. 

Other instances of racial bullying in school have made headlines recently. On Friday, a 15-year-old black girl said that she was spit on and called a racial slur by bullies at a Cornelius, North Carolina, high school. She was also sent to the hospital with a concussion due to a student throwing a gym ball at her head, her mom told WSOC. She said that her daughter?s mood has drastically changed and that after taking a suicide assessment, a clinician is going to ?watch her closely.?

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.