How Hospitals Can Scam You – Here’s How to Solve It:
1. Use the URC Clause Smartly:
If your claim is reduced because the insurer says the cost is higher than the usual and reasonable rate, don’t give up. Ask your doctor to give a written explanation justifying the higher cost (like a complication or special treatment). Submit it to the insurer—this can help get the full amount approved.
2. Choose the Right Hospital:
Avoid hospitals that overcharge. Before treatment, compare costs of common procedures in your area (you can check online or ask your insurer for a rate chart). Pick a hospital that follows standard rates—this reduces the chances of claim deductions under the URC clause.
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