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r/MedicalBill

Image 1 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 2 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 3 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 4 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 5 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 6 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 7 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 8 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 9 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 10 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 11 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 12 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 13 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
Image 14 — Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)
▲ 1 r/MedicalBill

Mental health provider says I owe $1,206 after never submitting claims to insurance. What should I do? (Alabama)

I’m going to attach screenshots of my email conversation with the provider’s CFO, so I won’t repeat everything here. Basically, I received a $1,206 bill for mental health visits that I was never told weren’t being covered. Magellan says the provider never submitted the claims, but the provider says they were billed through BCBS and denied.
Magellan says I have out-of-network benefits and offered either a superbill for me to submit myself or a CART investigation. The provider has agreed to mail me a superbill but says the claims will probably be denied and that the cash-pay rate I was given was a courtesy.

I’m trying to figure out what my best next step is. Should I accept the superbill and see what Magellan covers, or ask Magellan to open the investigation? And can the provider increase my balance to the higher billing rate after already applying the cash-pay rate?

Has anyone dealt with something similar or have advice on how to handle this?

Btw 8/19/25 was my first ever appointment

They also don’t have the best reviews online at all

u/ceearuh — 6 days ago
▲ 1 r/MedicalBill+1 crossposts

Title: Indiana – Short-term health insurance denied hysterectomy as pre-existing. Has anyone successfully fought this or found an attorney?

I'm hoping someone here has dealt with something similar or can point me in the right direction.

I purchased a short-term medical insurance policy that became effective January 1, 2026. In December 2025, I had a routine OB/GYN appointment where I discussed irregular/heavy periods and cramping. My doctor documented a normal pelvic examination, suspected possible fibroids or polyps, and ordered further testing.

After my insurance became effective, additional testing identified polyps and fibroids, and I ultimately underwent a medically necessary hysterectomy.

My insurance company denied the related claims as pre-existing because I had reported menstrual symptoms before coverage began.

I've submitted multiple appeal letters, obtained a written statement from my treating physician, and filed a formal complaint with the Indiana Department of Insurance. My physician has also sent her supporting statement directly to the insurer.

The communication has been incredibly frustrating. I haven't received a response to my second-level appeal, and when I call the general claims department, representatives often cannot even locate the medical records that the company says it reviewed.

I've contacted numerous attorneys in my area, but most only handle personal injury cases. I haven't been able to find someone willing to review an individual health-insurance coverage dispute.

Has anyone successfully challenged a pre-existing-condition denial under a short-term medical policy? What helped?

I'm also looking for recommendations for an Indiana attorney who represents policyholders in health-insurance coverage disputes, insurance contract litigation, or insurance bad-faith matters.

I'm not looking for someone to guarantee an outcome. I would simply like a qualified attorney to review my policy and documentation and tell me whether I have a viable case.

Any firsthand experiences, attorney referrals, or suggestions would be greatly appreciated.

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u/Infamous_Accident840 — 6 days ago
▲ 0 r/MedicalBill+1 crossposts

How to negotiate multiple bills at once?

Hello, I live in GA and I had to go to lots of testings and biopsies throughout this year - all with the same hospital network. Now I have multiple outstanding bills and one of them is in final notice phase, that is, it will be sent to collection if I don’t pay.

Would be grateful if someobody can share their wisdom for my questions:

  1. I heard you can negotiate the cost. Should I do that with the billing department or collection agency?

Where do I even begin? I got itemized bills and the EOB but still had no clue what to do next, since I have at least 5 different bills for more services than I can remember and that’s overwhelming.

  1. Can I negotiate for the total of money I owed, like several bills at once? Or do I need to negotiate one bill at a time?
  2. Best practices for negotiating? Or any tips I should be aware of would be appreciated. What is the reasonable % reduction I should request?

I’m not good at negotiating but I simply can’t pay the full amount. I literally just finished paying of $3000 from LAST year in monthly installments.

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u/Rare_Composer9714 — 7 days ago