Finding out your travel health insurance doesn’t cover your medical bill can be shocking. Yet, many travelers face this issue. Here are essential steps to help lower your bills if faced with denied travel health coverage.

Firstly, appeal the denial with your insurance company. Though daunting, understanding and preparing for the appeals process is crucial. Learn the steps for both internal and external appeals. Do not forget to collect all necessary documents to support your case.

Second, check for hospital financial aid. Many hospitals offer financial help based on various criteria. This could significantly reduce your bills. Contact the hospital’s financial aid department to discuss your situation and potential eligibility.

Third, negotiate your medical bill. Hospital charges are often negotiable. Use resources like Healthcare Bluebook to figure out fair rates. Then, negotiate with the hospital for a reduced rate based on these figures.

Lastly, consider hiring a medical billing advocate. These professionals are well-versed in the intricacies of medical billing and insurance. They can save you both time and money.