• You were overcharged for the good or service.
• You paid for the same thing twice.
• You were pressed for a payment not yet owed.
• A bill was not really Past Due.
• A bill or a larger part of it might have been covered, had you provided the billing party with additional information.
• You could have appealed the coverage decision.

This chapter also explains communicating with billing departments and avoiding the “run around” with insurance companies.

With a basic understanding of Medicare and insurance, you will know if the bills have properly gone through Medicare and insurance submission and processing to result in amounts your loved one should owe.