Lyme Disease Medical Bills | Insurance Billing Solutions 2018-03-23T18:59:35+00:00

LYME DISEASE MEDICAL BILLS

FREQUENTLY ASKED QUESTIONS

The medical billing advocates at Medical Bill Gurus have over twenty years of experience in helping patients work through the complex financial issues associated with healthcare.

Medical Bill Gurus is a medical billing advocate / patient advocacy service that assists patients of all backgrounds with medical bills and the financial complications associated with healthcare. Our medical bill advocates have over 20 years of experience help patients, such as yourself, reduce or eliminate their medical bills. To have one of our medical billing advocate evaluate your case free of charge, Schedule A Free Case Evaluation.

Medical Bill Gurus offers all medical billing advocate and patient advocacy services on strictly a contingency basis, such that there is no fee unless we are successful in securing reimbursement for you. If we are successful in securing reimbursement, then the service fee would be 20%. If we are not successful, then there is no fee or financial obligation whatsoever.

Yes, as Medical Bill Gurus offers services on a contingency basis only, our fee is based solely on the amount of money you actually receive back from the insurance. Thus, we do all of the billing up to the deductible free of charge as a value to our clients.

If you received treatment at an out of network medical provider, such as a cash only LLMD, then you would need to have a private insurance policy that is a PPO with out of network benefits. As most alternative medicine providers are out of network, your policy needs to be a PPO. Unfortunately the facts outside of my control and everyone’s else are that medicare, medicaid, and HMO insurance policies will only provide reimbursement for providers that are in-network.

Medical Bill Gurus is able to assist with medical bills from any provider, as long as we have the necessary documentation to put together bills on your behalf. We are currently working with medical providers throughout the United States, Germany, Mexico, and various other countries. If there are specific requirements for your provider, we would discuss how to move forward during your free case evaluation.

Yes, Medical Bill Gurus can help process bills on your behalf for treatment at ANY medical provider. We are currently working with various clinics throughout the United States, Mexico, and Germany.

The time period that dictates how far back our medical billing advocates can retroactively submit claims is dependent on your specific policy. The average timeframe we can bill for treatment is up to 12 months, but can vary between 6 – 18 months depending on your policy. We recommend you call you insurance carrier directly to ask them how far back you can submit claims.

In-network refers to those providers have negotiated contracted rates with the major insurance companies, such that insurance company has full control over how much that provider is reimbursed.

Out-of-network refers to providers who do not have negotiated rates or contracts with the major insurance carriers, and set their own rates of treatment and services rendered.

Out of network providers include alternative medicine providers and cash only providers, such as LLMD’s, Lyme Clinics, international providers in Mexico & Germany, and any provider without a contract with the major insurance carriers.

Once Medical Bill Gurus receives all of your completed paperwork, and copies of your medical bills, it will take our team 4-5 weeks to process your bills. Once we submit your bills to the insurance company, it typically takes 60-90 days before a claims decision is made.

Unfortunately, as Medicare and Medicaid do not have out of network coverage, we are unable to process claims.

To get started, we simply need you to complete the FORM above, and send us a completed copy of the Medical Bill Gurus paperwork, as well as copies of any medical bills. Once you submit your information, you will also be given the option to set up a time to speak with one of our medical billing experts regarding your case.

For each treatment listed on the provided medical bills, we identify the FDA approved treatments and FDA approved ancillary services such as doctor consults, treatment room, medical supplies, lab test and admin of the treatment), which can make up a substantial amount of the bill. At this point we will start getting an idea of what treatment the patient had done, and identifying which line items and associated costs we can submit for reimbursement to the insurance. For example on truly alternative services such as ozone therapy, stem cells, and IV infusions, we would be able to bill for doctor consults, supplies, facility, and then potentially for the truly alternative component for treatment depending on what was done.

As stem cells are considered experimental and alternative in nature, we are not able to bill for the full price of treatment. However, we are able to bill for the FDA approved ancillary services, which can make up a significant financial component of treatment. For example on a $25,000 stem cell + IV therapy treatment protocol, we would be shooting to recover potentially $5,000-$15,000 of the amount spent on treatment.

Yes, IV therapy is actually one of the treatment protocols we have had the best success with. As long as we have a itemized breakdown of treatment, also known as a “super bill”, we can put together your bills. For IV therapy, depending on the amount spend, your bills, and if you have met your deductible, we could potentially recover 40-60% of what was spent.

Did you have any additional questions about how our medical billing advocates can you with Lyme Disease Medical Bills or any other out of pocket medical expense? Feel free to comment below 🙂

HOW CAN WE HELP?

Medical Bill Gurus specializes in assisting patients with Lyme Disease medical bills from cash only medical providers throughout the United States, Mexico, & Germany.

To qualify, the patient must have a private PPO insurance policy with out of network coverage, such as Blue Cross Blue Shield, Cigna, Humana, United Healthcare, etc.

We are able to retroactively submit claims up to 12 months on average, but have found this time period can vary between 6 months – 18 months as defined by the plan administrator of your specific policy.

Unfortunately, we are not able to assist patients with reimbursements who lack insurance coverage, or have Medicare, Medicaid, or an HMO policy.

 

Sign Up Today For A Free Case Evaluation

Our experts are experienced with handling Lyme Disease Medical Bills, & understand how the alternative cash only providers operate.

If you would like to see if your Lyme Disease medical bills qualify for our services, submit the form below, and our experts will be in touch 🤠

Sit back while we take care of everything. And the best part 😬? You only pay us if we successfully get you a reimbursement from the insurance

LEARN IF YOU QUALIFY
LYME DISEASE MEDICAL BILL SOLUTIONS

1. Eligibility

Patient, friend, or caregiver reaches out to Medical Bill Gurus regarding Lyme Disease medical bills and we collect basic contact info (name, email, phone address), insurance information (type of insurance, group #, id #, copy of policy benefits), and medical provider info (clinic / diagnosis).

Medical Bill Gurus specializes in helping patients with Lyme Disease medical bills for treatment at cash only medical providers that do no accept insurance upfront at the time of treatment.

To initiate the insurance reimbursement process for Lyme Disease medical bills, our insurance experts will need to evaluate your insurance policy to identify what coverages are available on the policy. Historically, a patient would need to have a PPO with out of network benefits.

Unfortunately, we are unable to help patients get reimbursed for policies that lack out of network coverages such as HMOs, Medicare, Medicaid, or any state/government run insurance due to the lack of out of network coverage.

In this first step, our insurance experts would also want identify the medical provider, and their status as a provider. If the patient received treatment internationally, then we would want to verify the insurance policy has international coverage to cover Lyme Disease medical bills at clinics internationally, particular Germany or Mexico.

2. Application

The next step is our insurance experts to obtain a copy of the Lyme Disease medical bills, particularly a “superbill” such that all treatment is itemized. At this point our insurance experts will then analyze the medical bill to break down the treatment protocols the best we can into the FDA approved ancillary services.

Once we have broken down the Lyme Disease medical bills, we will move forward to start processing the Lyme Disease medical bills, or we will have to reach out to the medical provider in the hopes they will provide more detailed information on the treatment. Ex: some clinics are notorious for given a receipt that just says two line items, which is not anything we can use.

At this point, in order to move forward, we need an itemized breakdown of what treatments the patient had done on which dates of treatments. For each treatment listed, we are going to identify the FDA approved treatments and FDA approved ancillary services such as doctor consults, treatment room, medical supplies, lab test and admin of the treatment), which can make up a substantial amount of the bill.

3. Review Process

Once we have broken down everything and created a new itemized bill for the insurance, we will submit everything on behalf of the patient, and send it off to the insurance company. It typically takes 60-90 days to hear a decision from the insurance company.

We have a commitment to ensure that the patients we help received the most sound and up to date financial advice regarding medical bills,  health insurance, and the financial component of healthcare.

4. Success

You will receive a check in the mail directly from the insurance company.

If we are successful, you should receive a check directly from the insurance company within 60-90 days. We can not guarantee anything other than we will do our best to evaluate your claim and pursue any underpayments per your insurance policy. Once you receive a check, we will send you an invoice for a percentage of whatever we collected. If we did not collect anything, then there is no fee whatsoever, and we lose money for taking on the case.

You Have Medical Bills, We Have Financial Solutions

You Have Medical Bills, We Have Financial Solutions

TESTIMONIALS

Mary Casanova
Lyme Disease
Lyme Disease Treatment

After spending $40k out of pocket for 10 days of Lyme Disease treatment at a cash only clinic in Arizona, Medical Bill Gurus was able to recover $18k from the insurance. I thought I would (...)

The main reason Lyme Disease is difficult to detect is because the symptoms can be obscure. Due to the obscure symptoms associated with Lyme, the disease is often referred to as the Great Imitator as it commonly imitates the symptoms of other illnesses. Lyme Disease is often misdiagnosed as numerous conditions and diseases, including but not limited to: Autism, Amyotrophic Lateral Sclerosis (ALS), Alzheimer’s, Crohn’s Disease, Chronic Fatigue Syndrome, Fibromyalgia, Irritable Bowel Syndrome (IBS), Lupus, Parkinson’s, Prostatitis, or Multiple Sclerosis, just name to a few.
Nick Schwartz
Lyme Disease

I have suffered from Lyme Disease for 15+ years, and never thought insurance would help pay for treatment. Now I am able to get money back that I can use to afford long term treatment protocols.

Unfortunately, Crohn’s Disease is a chronic disease, which means long term. There isn’t a quick fix where the doctor will prescribe a one-time antibiotic and you are done. While it’s manageable, it comes back, repeatedly. And, there are approximately 700,000 Crohn’s Disease patients in the U.S. alone. Crohn’s Disease causes aggravating inflammation within the digestive tract, as well as deep and painful sores, otherwise known as ulcers. It typically attacks the ileum (lower part of the small intestine), and the colon (the upper part of the large intestine). And, although different, it’s often compared to Ulcerative Colitis, which is another chronic disease that causes inflammation of the colon. The two of these diseases are linked into a group of diseases that involve the digestive tract, and referred to as Inflammatory Bowel Disease, or IBD. Crohn’s Disease and Ulcerative Colitis both have an ebb and flow pattern as they go into stages of both remission and relapse. And, with proper treatment, diet and exercise, the remissions can be greater than the relapses, allowing people living with the diseases to live a somewhat normal lifestyle. We will address this further in another article.
Katherine Anne

For a few years, I had stomach pain that caused me to go to the ER on what like a nightly basis. Each visit was another bill and another doctor telling me nothing was wrong, and before my (...)

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Dr. Charles Rogers, MD
Dr. Charles Rogers, MD
Medical Billing For Physicians

Had I known about Medical Bill Gurus 30 years ago, I would have had the opportunity to impact the lives of more patients. I initially agreed to contract with Medical Bill Gurus because of the (...)

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Summary
Lyme Disease Medical Bills | Patient Advocate
Service Type
Lyme Disease Medical Bills | Patient Advocate
Provider Name
Medical Bill Gurus,
3000 Lawrence Street Suite #15,Denver,Colorado-80205,
Telephone No.1-800-674-7836
Area
United States
Description
Medical Bill Gurus specializes in helping patients with Lyme Disease medical bills for treatment at cash only medical providers that do no accept insurance upfront at the time of treatment. To initiate the insurance reimbursement process for Lyme Disease medical bills, our insurance experts will need to evaluate your insurance policy to identify what coverages are available on the policy. Historically, a patient would need to have a PPO with out of network benefits. Unfortunately, we are unable to help patients get reimbursed for policies that lack out of network coverages such as HMOs, Medicare, Medicaid, or any state/government run insurance due to the lack of out of network coverage. In this first step, our insurance experts would also want identify the medical provider, and their status as a provider. If the patient received treatment internationally, then we would want to verify the insurance policy has international coverage to cover Lyme Disease medical bills at clinics internationally, particular Germany or Mexico.