Detailed Answer
Managing out-of-pocket health expenses can feel overwhelming. In Nebraska, you can take proactive steps to secure necessary care while keeping costs under control and maintaining thorough documentation.
1. Request a Good Faith Estimate
Before you schedule non-emergency treatment, ask your provider or facility for a written cost estimate. Federal law requires providers to give a “good faith estimate” of expected charges. Although Nebraska has not codified its own statute on estimates, you can rely on the federal No Surprises Act. Having an estimate helps you compare providers and budget for deductibles, copays, and coinsurance.
2. Explore Financial Assistance and Medicaid
Many Nebraska hospitals offer charity care or sliding-scale assistance under the Health Care Facility Licensure Act. See Neb. Rev. Stat. §71-502 (charity care requirements). Ask the hospital’s billing department for an application. If your income qualifies, you may also apply for Medicaid. Nebraska’s Medicaid eligibility rules are found at Neb. Rev. Stat. §68-902 (Medicaid assistance).
3. Negotiate Payment Plans and Discounts
If you cannot pay upfront, ask for a payment plan. Many providers agree to low-interest or interest-free installments. You can also negotiate a discount for paying a lump sum. Always get any agreement in writing and confirm the total amount due after discounts or installment discounts.
4. Document Every Interaction
Keep a record of all communications with health providers and insurers. Note dates, names, and summaries of phone calls. Save emails and letters. This paper trail can resolve billing disputes and verify what was promised.
5. Obtain and Review Medical Records
After each visit, ask for a copy of your medical record and itemized bill. Under Neb. Rev. Stat. §71-439 (access to health records), you have the right to inspect and copy your medical records. Compare records, bills, and your Explanation of Benefits (EOB) from your insurer to ensure accuracy.
6. Use Documentation for Tax Deductions or Appeals
If you itemize deductions on your federal tax return, you may deduct qualifying medical expenses that exceed 7.5% of your adjusted gross income. Thorough records support your deduction and any appeal if the IRS questions your claims.
Disclaimer: This information is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for advice on your specific situation.
Helpful Hints
- Always get cost estimates in writing.
- Screen for charity care eligibility before treatment.
- Request itemized bills and compare them to your insurance EOB.
- Keep a dedicated folder (physical or digital) for all medical documents.
- Follow up promptly on billing errors or disputes.
- Consider free or low-cost legal aid if you face aggressive debt collections.