Lets break it down. When you are admitted to the hospital for a scheduled surgery there is a facility fee. The doctors which are treating you have their fees. When tests are performed such as x-ray, MRI's, lab or any medication there are fees for these

While in surgery there is an assistant surgeon and last but not least the Anesthologist.  These are all the normal fees but of course there could be other fees for your special needs

Wow! these fees add up and your bill could be at least 30 pages long. When you have medical insurance your insurance company is billed. The insurance company whatever it is will usually pay 80% of the allowable. The allowable is determined from the contract your medical provider ( the hospital) has with your insurance company. This is written off in a contractual agreement. It can be a different amount for different insurance plans. After the insurance has paid you are billed the balance of the bill if you do not have a 2nd insurance to apply it to.

If you have 10 bills from different Medical Providers this can get really confusing and expensive.

There are all kinds of problems which can crop up which your medical insurance company will bring to your attention. This is where medical appeals come in.

Also, you must have some kind of understanding on how your insurance company works, if you want to protect yourself and your family.

Check out my ebook Fight Your Medical Insurance and Win on my website.

Thank you for reading my article. Please feel free to read any of my numerous articles on various subjects.

Linda Meckler copyright 2009

Linda is the author of her first published book, Â"Ghost Kids Trilogy. "Christy, 12 and her Brother Brad, 16 move into an old house and meet Ghost Kids. Adventures keep you mystified until the hunt for Pirates' Treasure. Love, Family Values and Charity burst off the pages.

Article Source: http://EzineArticles.com/?expert=Linda_Meckler