Write down a list of questions for need- to- know facts when you call the insurance.
Knowledge is power when dealing with billing departments on medical bills.
I don't know what type of insurance you have or the details, but I can tell you the problems I encounter with a dual-complete Medicare/Medicaid advantage plan.
This usually applies to all primary insurances with a secondary that pays the balance.
I still get bills for co-pays or amounts I do not owe and have to explain to the billing agent why and what to do.
Example: Primary insurance such as Medicare or whatever type you have, pays first.
If you have a secondary, in my case Medicaid, it pays the 20% balance.
Without a secondary there is usually a co-pay you owe.
The QMB law of 2013 makes it illegal for medical providers to charge you anything
above what the primary insurance pays if you have Medicaid.
QMB is Qualified Medicaid Recipient.
It is even illegal for you to pay them the extra or a co-pay if the provider accepts
both primary and secondary insurances.
For anyone with Medicare and Medicaid this is essential to know.
Again, I don't know what type of insurance you have, but for people with Medicare and a secondary insurance, whether it's Medicaid or another type plan, it is good to know. Being asked for amounts I don't owe happens quite often.
And welcome here!
@needlenose2 
