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Insurance Claim Denial — surprise medical bill after insurance

Started by confused_freelancer_help · Sep 10, 2025 · 929 views · 18 replies
For informational purposes only. This is not legal advice. Laws vary by jurisdiction. Consult a qualified attorney for advice specific to your situation.
CF
confused_freelancer_help OP

I've been trying to resolve this on my own but I'm stuck.

surprise medical bill after insurance. I've been dealing with this for about 5 weeks now and the situation isn't improving.

I have already tried to resolve this directly but the other party is not cooperating.

What's the typical outcome in situations like this?

NT
newbie_trader_CO

Following this thread — I'm in a very similar situation. Would love to hear how it turns out.

FT
first_time_freelancer_advice

Have you tried reaching out to your state's labor board? They sometimes have free resources or mediation services.

TL
Mod_TermsLaw Moderator

I practice in this area. Here's my take on the legal issues.

The key question is whether the applicable statute of limitations has run. Depending on your jurisdiction, you typically have the relevant statute years for this type of claim.

The practical consideration here is cost vs. potential recovery. For disputes under $10K, small claims court is often the best route.

AB
AgentBroker_TX

Not a lawyer, but I have direct experience with this.

What worked for me was having everything documented. It took 3-6 months but was worth it.

SB
SmallBizOwner_NYC

Been there. Here's what I learned.

In my case, it took about 1-3 months to resolve. The key was escalating to a supervisor/manager.

CA
ConsumerAdvocate

Been there. Here's what I learned.

What worked for me was having everything documented. It took 3-6 months but was worth it.

SB
SmallBizOwner_NYC

I've seen this play out several times in my field.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

FT
first_time_creator_today

Just want to point out — the statute of limitations might be a factor here. In some states it's as short as 1-2 years. Don't sit on this too long.

VA
VCAnalyst_SF

Been there. Here's what I learned.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

TF
throwaway_freelancer_legal

This happened to me too. Have you tried filing a complaint with the relevant agency? In my case they investigated and it got resolved without needing a lawyer.

CA
ConsumerAdvocate

I went through almost the exact same thing.

What worked for me was hiring an attorney to send the initial letter. It took 2-4 months but was worth it.

NR
NurseUnion_Rep

I went through almost the exact same thing.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

RM
RestaurantOwner_Miami

I've dealt with this before.

The biggest mistake people make in this situation is filing with the appropriate government agency. I'd recommend gathering evidence first instead.

CM
ContractorMike_CA

Not a lawyer, but I have direct experience with this.

The biggest mistake people make in this situation is hiring an attorney to send the initial letter. I'd recommend being patient with the process instead.

JC
just_curious_homeowner_2025

I had a similar issue and ended up consulting with an attorney. It was worth the $200-300 for the initial consultation just to understand my rights.

MA
MusicProducer_ATL

I went through almost the exact same thing.

What worked for me was escalating to a supervisor/manager. It took 1-3 months but was worth it.

PJ
Paralegal_Jen

Not a lawyer, but I have direct experience with this.

I ended up hiring an attorney to send the initial letter, which cost about $2-4 but saved me a lot more in the long run.

RE
RemoteWorker_EU

I've seen this play out several times in my field.

I ended up having everything documented, which cost about $3-6 but saved me a lot more in the long run.

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