By Julian Mercer, Esq. | Consumer Rights Attorney & Healthcare Credit Compliance Specialist Credit Reporting Jurisprudence | Audited for CFPB Guidelines and Fair Credit Reporting Act (FCRA) Compliance Recent nationwide credit reporting reforms fundamentally altered how unpaid healthcare debts impact your FICO score. Every year, millions of Americans confront an agonizing financial crossroads: an outrageously … Read more

By Elena Rostova, MHA, CPC | Certified Professional Coder & Healthcare Reimbursement Auditor Clinical Compliance & Outpatient Hospital Coding | Reviewed for State and Federal Consumer Disclosure Standards Examine outpatient statements carefully: arbitrary clinic room overhead fees can often be contested under state consumer protection statutes. You book a routine 15-minute appointment with your cardiologist … Read more

By Marcus Vance | Healthcare Compliance & Financial Dispute Consultant Medical Billing Audit & Regulatory Review | Practical Dispute Tactics for Outpatient Hospital Surcharges Examine your itemized statement closely: routine outpatient consultations should not incur separate hospital room surcharges. You schedule a routine 15-minute appointment with your primary doctor or an outpatient specialist. You present … Read more

By Marcus Vance | Healthcare Compliance & Financial Dispute Consultant Medical Price Transparency Audit | Strategic Dispute Protocols for Itemized Chargemaster Markups A bag of normal saline costs less than $3 to produce, yet hospital billing departments routinely markup the charge past $1,000. Among the most notorious symbols of the American healthcare affordability crisis is … Read more

By Marcus Vance | Healthcare Compliance & Financial Dispute Consultant Medical Billing Audit & Insurance Verification | Updated for Consumer Protection Guidelines Never pay a hospital balance until every line item has been matched directly against your insurer’s official Explanation of Benefits. Every year, millions of insured Americans receive an alarming notice in the mail: … Read more

By Victor Sterling, MS, CHDA | Certified Health Data Analyst & Pricing Arbitrator Hospital Revenue Cycle Forensics | Lump-Sum Settlement Arbitrage & Medicare Cost-to-Charge Benchmarking Armed with Medicare allowable benchmarks and dedicated cash capital, patients can negotiate massive write-downs directly with hospital finance supervisors. When an unexpected medical emergency, hospital stay, or surgical procedure leaves … Read more

By Victor Sterling, MS, CHDA | Certified Health Data Analyst & Pricing Arbitrator Federal Balance Billing Forensics | 42 U.S.C. § 300gg-111 Enforcement & Independent Dispute Resolution (IDR) Defense Under federal statute, out-of-network balance billing is illegal for emergency encounters and non-emergency care delivered at in-network hospitals. When the landmark federal No Surprises Act (Public … Read more

By Elena Rostova, MHA, CPC | Certified Professional Coder & Health Policy Analyst Forensic Hospital Revenue Cycle Auditing | Chargemaster Anomaly Detection & CPT Code Reconciliation Hospital Revenue Cycle Management software automatically converts clinical charting into billable CPT and Revenue codes that can quietly double your charges. When you undergo treatment in an American hospital, … Read more

By Elena Rostova, MHA, CPC | Certified Professional Coder & Health Policy Analyst Forensic Hospital Revenue Cycle Auditing | UB-04 / CMS-1500 Reconciliation & Unbundled Chargemaster Dispute Requesting a fully itemized UB-04 statement with billing codes is the single most effective action to dismantle inflated hospital charges. A few weeks after an emergency room visit … Read more