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JoanHospital overchargesWe had bills of nearly $5,000 AFTER the insurance had paid their portion. The insurance company said the reason they wouldn't pay any more was that the doctors' charges were above what the insurance company considered reasonable and normal. They were way above average and they were simply overcharging us. We called the doctors' billing agencies and they just said this was our responsibility. Some of them said they'd put us on a "payment plan." The threat was that if we didn't pay, the bill would simply go to a bill collection agency and they'd ruin our credit. We really didn't know what to do. In one case - Mayo Clinic - we had no choice, they really threatened us with ruining our credit - blackmail of course - and we simply paid after they reduced the bill somewhat. As for the others, we spoke to Southwest Medical who really helped. The advice they gave almost made the bills go away.

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