That letter from your insurance company saying a hospital stay was "not medically necessary" is enough to cause panic. But before you pick up the phone, take a breath. In this episode, Melody Mulaik explains exactly why you shouldn't do anything at all.

Learn why this letter is just the opening move in a negotiation between your hospital and your insurer, what the hospital is required to do next, and how your final bill is actually determined. This practical guide will help you stay calm and in control, ensuring you only pay what you truly owe.

Featured topics in this episode:

• The true purpose of an insurance denial letter (and why it's not a bill).
• Why the hospital, not you, is responsible for providing justification.
• Understanding the difference between "Inpatient" and "Observation" status and how it impacts your wallet.
• A step-by-step guide on what to do (and what not to do) while you wait for a resolution.

What You’ll Hear:

• [00:45] The Scenario: A denial letter arrives after a hospital stay.
• [01:45] Step 1: Why your first move is to do nothing.
• [02:15] The Hospital's Role: What happens behind the scenes to justify your care.
• [03:00] Your Financial Protection: Why you won't be billed for the full amount.
• [06:05] Insider Term: Understanding "Observation" vs. "Inpatient" status.
• [07:00] Final Steps: How to find out what you actually owe.

Want to Ask Melody: https://melodymulaik.com/ASK Don’t forget to subscribe so you won’t miss an episode. If you've ever faced an insurance denial, this episode is a must-listen.