• At some point, your health insurance company may refuse to pay for your medical care or prescription drugs, which is called a denial of coverage. If you disagree with your insurance company’s decision, you can appeal it, and those who do may win their appeal up to 60% of the time and get coverage for their care. 
• To learn more, review “Appealing Denials of Coverage.”

Yes, there may be ways to lower your costs before you get care, including: 

• Review your health insurance at least each year to make sure you have coverage that is best for you; and ensure your health care providers have your up-to-date contact and insurance information.  
• Discuss costs with your health care team before receiving care. 
• Go to in-network providers when possible 
• Think of your health care like other goods and services you buy. You can shop around, compare, and even negotiate prices with health care providers.  
• Keep track of and use your out-of-pocket maximums to your advantage. 

To learn more, review “Ways to Avoid Higher Medical Bills Before Care.” 

If you get a medical bill that you are unable to pay, consider contacting your health care provider to talk about your options. You can often negotiate: 

• More time to pay the bill

• A payment plan

• A lower lump-sum payment 

You may also qualify for financial assistance programs at your health care facility.  

To learn more, review “Negotiating and Paying Medical Bills.”