Health & Insurance · Claude
Cut a $195,628 hospital bill to about $32,500 by checking it against Medicare rules
Here is my itemized hospital bill / UB-04 with CPT and revenue codes: [paste]. Location: [city, state]. Date of service: [date]. Insurance status: [uninsured / insurer]. 1. Make a table: code, description, amount billed, what Medicare would pay for this code in my area this year, notes. 2. Flag anything that looks unbundled (components billed separately from a comprehensive procedure), mutually exclusive codes billed together, inpatient-only codes on an outpatient visit, or care that the records don't show was given. 3. Show your sources for every rate and rule so I can check them. 4. Draft a polite but firm letter to the billing office that lists each issue and offers to pay [amount] promptly in exchange for a zero balance. Don't send anything.
Steps
- Ask the hospital for an itemized bill, then for the UB-04 form (the coded claim it would send to an insurer).
- Give the codes to the assistant and ask for a spreadsheet of what Medicare pays for each one, for your state and year.
- Ask it to flag unbundled charges, mutually exclusive codes and care that was billed but never given.
- Paste the whole analysis into a second AI and ask it to check every detail, then spot-check the key rules yourself.
- Send a letter that lists each problem and offers to pay the Medicare-based amount promptly in exchange for a zero balance.
Not medical, legal or tax advice.