When you see your health care provider asking you for more money, you should be prepared for a lot of pain.
Asking for more and more is what it takes to keep up with the rising cost of health care.
When you have to get more, you are in for a big bump in the bill.
Here are six ways to handle it: Pay less You have a right to expect a fair price.
If your provider asks for more than you are getting, it is your right to negotiate.
Ask your health plan to increase your insurance premium.
Pay for the service yourself and get it at a reduced price.
Don’t worry if the plan increases your premium in the future.
The law requires that health plans with an annual health care cost share of 25 percent or more have to continue to cover at least one of the following: The first 10 percent of patients receiving a primary care visit; or The first 20 percent of people with cancer or heart disease.
It also mandates that any plan with an average annual cost of more than $5,500 cover at most 100,000 patients and at most 2.4 million primary care visits in 2018.
For some providers, this means they can only cover 100,001 or 2.5 million visits in 2019, or fewer than half of the 100,0000 or 2 million annual visits that they previously could cover.
For others, it means they must cover 100 or more of the 2.2 million annual patients they previously would cover.
Ask for a discount You can get a discount by paying less.
You don’t have to pay a lot to get a lower price.
You can ask for a lower rate, and your health insurer will pay for the difference.
This means your plan will cover fewer or fewer of the higher-cost patients.
If you ask for the same or lower rates, you will be paying for more or less care for those who have more money.
Learn more about what is covered by health insurance.
Get an invoice It’s important to get an invoice, so you can see how much your plan is paying for each treatment.
If the plan doesn’t have one, you can get one by visiting your local health plan.
If they don’t provide one, find a health insurance company.
If this doesn’t work, you might have to file a claim.
Get your paperwork and a copy of the invoice to make sure it’s accurate.
If it isn’t, you have a legal obligation to pay for it.
If possible, contact your health insurance carrier to get your invoice.
Get the plan to pay the difference This is one of those easy steps.
Ask the plan for a payment plan that allows you to make payments based on the cost you pay.
If there is a health plan that covers the difference between the plan and the bill, ask for it and have it submitted to your health plans office.
If an insurer doesn’t provide this, file a health care claim with the state Department of Insurance.
Your insurer may not agree to your request, but they may still pay your bill and help you settle it.
Learn how to file claims.
Get a copy from your provider If your health provider won’t give you the billing address or the invoice, you may have to go to your state insurance department and request it.
Your provider may give you a copy but they can’t provide it.
Be sure to follow all instructions.
If all you can do is get a copy, it’s time to start negotiating with your health providers.
The next time you see a health provider asking for more, try these tips.
If someone is offering to make your care cheaper, pay up instead.
Ask to speak to a higher-ranking official to discuss this.
If a higher official says yes, let them know and try to negotiate a different rate.
Make it easier for them to do their job.
If no one at your health center has a lower-level job, you could work through your health policy and try contacting other members of your health team.
This could include contacting your primary care provider and the health plan directly.
Learn about negotiating with insurance companies.