When it comes to bipolar, the next thing worse than a major manic episode is a big giant medical bill from the disorder. After my mom got out of the hospital and out patient program, it began to rain down bills on us. It was truly amazing. It was like someone turned on the send lots of medical bills switch and they started coming.

Here is the amazing thing. I don't really have statistics but I would say 90% of the bills we got were wrong and 2/3 in favor of the hospital. Sometimes my mom would get a $3000 bill with no description. At first I almost had a heart attack when I saw these bills but then I employee a slight modification to my ask yes only questions philosophy (Just so you remember that is when you assume everything you are asking for is able to be gotten, you don't take no for an answer which forces people to go and find out a way to make what you want come true). Anyway, what I did was call up and say 'Why did I get this medical bill, I wasn't suppose to get this bill, please remove this.'

Studies actually have shown that 90% of all medical bills are wrong in some way.

With this statement, 50% percent of the time, I would hear 'oh you are right, just ignore that bill.' I don't know why this is. When it first happen to me, I was thinking 'should I get this in writing?' But I didn't I waited and the bills went away. They were errors, mistakes, summaries of what was owed by covered by the insurance. As I started to investigate and have a friendly conversation with people in the system, they said 'oh the system just sends bills out like that.'

I asked these people how many people don't call and just pay it. They didn't know. I have a feeling a good percentage of the people do. I guess because I am a skeptical guy I think it's like a scheme. Think of these, if we have 10,000 people and we mail them all bills for an extra $3000 by 'accident' if 10% pay the accidental bill without checking it, that's $300,000 in free money for the system. I am not sure if this is what they are doing but I think so.

  • Assume all your bills are wrong
  • Make them prove that it is right
  • Ask for itemized breakdowns
  • Assume that whatever bill you get, is suppose to be covered by the insurance you have (if you have insurance)
  • Always say that everything you got was approved by the insurance company (which it should have bill).

I believe doing this, will lower you medical costs. It did for my mom, and countless other people I told this concept to.

If the bill is right, if you don't have the money to pay it, try the following: Negotiate payments Get a modified payment schedule in writing with any agreement that it will not affect your credit rating Check to see any hospital charity care programs or program for those that can't afford to pay the bill or are on disability.