Detailed Answer
Facing high medical bills can feel overwhelming. In North Dakota, you have tools and rights to manage costs, estimate expenses, and keep accurate records. Below is a step-by-step approach you can follow.
1. Review Your Insurance Plan
Start by examining your health insurance summary of benefits. Identify deductibles, copayments, coinsurance, and out-of-pocket maximums. Call your insurer’s member services to confirm network providers and coverage limits. Understanding these details prevents surprise bills.
2. Request a Good-Faith Estimate
Under the federal No Surprises Act, providers and facilities must give uninsured or self-pay patients a good-faith estimate of expected charges. Ask for this estimate in writing at least 10 days before non-emergency care. Compare estimates from different providers. Keep the written estimates as proof.
3. Negotiate Costs and Payment Plans
If you receive a bill you can’t pay in full, contact the billing office promptly. Ask for a payment plan with low or zero interest. Some hospitals offer sliding-scale fees or charity care programs. Under North Dakota law, many nonprofit hospitals maintain financial assistance policies—ask for the hospital’s policy in writing.
4. Obtain and Copy Your Medical Records
Accurate medical records ensure billing accuracy. North Dakota law grants you the right to inspect and copy your records. See NDCC § 26.1-30-03. You may request records in writing and the facility must respond within 30 days. The law caps copying fees at 25 cents per page plus actual postage or delivery costs.
5. Track Explanation of Benefits (EOBs)
After services, your insurer sends an EOB showing what was billed, what they paid, and what you owe. Store each EOB with the corresponding bill. Verify that the billed services match your treatment and that the insurer’s payment aligns with your policy.
6. Keep Detailed Records of All Communications
Document every call or email with providers and insurers. Note the date, time, name of the representative, and summary of the conversation. If you negotiate a payment plan or discount, request confirmation in writing. These records become vital if disputes arise.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney or financial counselor for guidance tailored to your situation.
Helpful Hints
- Use a dedicated folder (digital or paper) for each provider—store bills, EOBs, estimates, and correspondence.
- Ask for itemized bills to spot billing errors such as duplicate charges.
- Check if community health centers offer sliding-scale fees based on income.
- Verify that all lab tests and imaging are medically necessary; sometimes providers bundle services.
- Explore pharmacy discount programs or 340B pricing if you pay out of pocket for medications.
- Contact the North Dakota Insurance Department (https://www.nd.gov/ndins) for help with insurer disputes.