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If you think you've been wrongly billed, you may contact the Arizona Department of Insurance and Financial Institutions at (602) 364-3100 and/or the U.S. Department of Health and Human Services at 1-800-985-3059.
Through the federal No Surprises Act, excessive out-of-pocket costs are restricted, and emergency services are covered without any prior authorization, regardless of whether a provider or facility is in-network.
What is the statute of limitations on medical bills? Answer: The Arizona statute of limitations for written contracts is 6 years (Arizona Revised Statutes, Section 12-548).
CCP § 337 for almost all contracts: 4 years from the date of the bill. Notice the ?open book? exception that extends the SOL to the last service rendered and §360 which extends it to the date of last payment. If the bill is from a state or county hospital, the law is the same, but cite CCP § 345.
An insurance carrier, self-insured employer or claims processing representative shall make a determination whether to deny or pay a medical bill on an accepted claim, in whole or in part, including the decision as to the amount to pay, within thirty days from the date the claim is accepted, if the billing is received ...
You don't have to make up the difference between the allowed amount and the actual amount billed when you use an in-network provider. Instead, your provider has to just write off whatever portion of their billed amount that's above the allowed amount, because that's part of their contract with your health plan.
Beginning January 2022, consumers with health coverage through their employer, Health Insurance Marketplace, or an individual health insurance plan purchased directly from an insurance company are protected from surprise billing.
Medical debt can be sent to a collections agency like any other debt. However, if it is owed to a non-profit hospital, they may be required to provide financial assistance to you before it is sent to collections.