Missouri 的医疗账单错误和您的权利

最后审查于 2026-07-15

如果 Missouri 的医院账单看起来有误，Missouri 法律可以帮助您检查它或进行反击——Mo. Rev. Stat. § 191.875.3 requires health care providers to give a patient a written estimate of the cost of a specified service within three business days of a written request that includes a treatment plan。逐行和代码比较与您接受的医疗服务，以及下面的联邦规则，可以帮助您发现重复收费、捆绑问题和超价。

Missouri 州法律

Missouri health care cost estimate on request

Missouri's Health Care Cost Reduction and Transparency Act directs health care providers to furnish a written estimate of the cost of a particular service, imaging procedure, or surgery when a patient submits a written request that includes a treatment plan from the patient's provider, within three business days of the request.

您可以做什么： Submit a written request to the provider that includes a treatment plan and ask for the written cost estimate; the provider must respond within three business days. This covers a prospective estimate for a specified service, not a line-by-line itemization of a bill already received.

引用： Mo. Rev. Stat. § 191.875.3 · 自 2016-10-14 起生效

也适用的联邦规则

在 Missouri 的账单法之上，根据您的情况——您是否支付现金、在非营利医院接受治疗，或余额转给了催收人——可能适用几项联邦规则。

联邦法律

No Surprises Act good-faith estimate & patient-provider dispute

Uninsured and self-pay patients are entitled to a good-faith estimate of expected charges before scheduled care. If the final bill from a provider exceeds the good-faith estimate by at least $400, the patient may initiate the patient-provider dispute resolution (PPDR) process.

您可以做什么： Compare the good-faith estimate to the final charges; where the bill exceeds the estimate by $400 or more, dispute the coding and charges and, if applicable, initiate the federal patient-provider dispute resolution process within 120 days of the bill.

引用： No Surprises Act, PHS Act § 2799B-6; 45 C.F.R. § 149.610–.620 · 自 2022-01-01 起生效

联邦法律

Section 501(r) financial-assistance & charity-care policy

Tax-exempt nonprofit hospitals must maintain a written financial-assistance policy (FAP), limit amounts charged to FAP-eligible patients to no more than amounts generally billed (AGB) to insured patients, and refrain from extraordinary collection actions before making reasonable efforts to determine FAP eligibility.

您可以做什么： Apply for financial assistance under the hospital's FAP within the application period (at least 240 days from the first post-discharge billing statement) and require charges be limited to amounts generally billed.

引用： 26 U.S.C. § 501(r); Treas. Reg. § 1.501(r)-4, -5, -6 · 自 2016-01-01 起生效

联邦法律

Fair Debt Collection Practices Act — debt validation

When a debt is with a third-party collector, the consumer may dispute the debt and request validation. On a timely written dispute, the collector must cease collection until it mails verification of the debt.

您可以做什么： Send a written debt-validation request disputing the debt; the collector must cease collection activity until it mails verification of the debt.

引用： Fair Debt Collection Practices Act § 809, 15 U.S.C. § 1692g · 自 1977-09-20 起生效

在 Missouri 报告账单问题的位置

如果医院或保险公司不愿意更正违反上述规则的账单，您可以向执行这些规则的政府办公室报告。提交投诉是免费的，这些办公室即使无法解决单份账单也可以发现模式。报告不能保证任何结果，这是一般信息，不是法律咨询。

Missouri 机构

联邦帮助

想看看您的账单实际说的是什么？

扫描是免费的。我们根据联邦账单规则检查每一行，并以简明英文显示看起来有误的内容——在您决定是否争议任何事情之前。

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