Medical bills can be stressful and confusing, especially if you are uninsured, underinsured, or navigating Medicaid or Medicare. Understanding how to read your bills and knowing what help is available can protect you from unnecessary costs and overwhelming debt.

How to Read a Medical Bill

1. Patient Information: Check your name, date of service, and provider information for accuracy.
2. Services Provided: Review the list of procedures, tests, or visits to make sure they match the care you received.
3. Charges: This is the total cost before insurance, discounts, or adjustments.
4. Adjustments: Insurance, charity care, or negotiated discounts reduce what you owe.
5. Balance Due: The final amount you are responsible for paying.

Common Billing Errors to Watch For

• Duplicate charges for the same service.
• Services you did not receive.
• Incorrect patient or insurance information.
• Charges not covered that may qualify for appeal.

If you see an error, call the billing office right away and ask for an itemized bill.

Options if You Cannot Afford to Pay

• Financial Assistance Programs: New York hospitals are required to offer financial assistance or “charity care.” Ask your hospital about the income requirements.
• Payment Plans: Most providers will let you set up monthly payments.
• Negotiation: You may be able to negotiate a lower bill, especially if you are uninsured.
• Nonprofit Support: Organizations like Nassau/Suffolk Law Services or the Health & Welfare Council of Long Island can help you understand your rights and assist with appeals.

Protecting Yourself from Medical Debt

• Never ignore a bill—contact the billing office to discuss your situation.
• Keep records of all conversations and letters.
• Apply for Medicaid or financial assistance as soon as possible if your situation has changed.

Where to Get Help on Long Island

• Nassau/Suffolk Law Services: Offers free legal help for medical debt issues.
• Health & Welfare Council of Long Island: (516) 483-1110 – connects you to billing advocates and insurance options.
• Local Social Services Departments: Can assist with Medicaid enrollment and hospital support programs.

Key Takeaway

You have rights and options when it comes to medical bills. By reviewing your bill carefully, asking about financial assistance, and seeking local help, you can reduce or even eliminate the burden of medical costs.