Request itemized bills and question apparent errors

Request Itemized Medical Bills & Question Charges

If you undergo a major medical procedure or spend time in the hospital, request an itemized bill. The additional information contained in the itemized bill will help you determine whether you were billed correctly. Scrutinize the bill for any unexpected charges or other apparent errors. If you find any errors on your bill (even small ones), challenge the charges right away. Send an email to the customer service department and call them as well. Always retain your emails, and write down of the persons to…

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Make Sure Your Provider Submits Claim to Insurance

Make Sure Your Provider Submits Claim to Insurance

If you have health insurance, you expect your medical provider to submit a claim to your insurance company in a timely fashion. After all, the provider asks for your insurance card when you become a patient and likely asks you nearly every visit if your insurance has changed. But in some cases, a medical provider may not submit a claim to insurance. Or, the provider may submit the claim after the insurance policy’s deadline, resulting in a denial. Why would a provider fail…

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New Year's Resolution No. 1: Always Check Your Explanation of Benefits

Always Check Your Explanation of Benefits

This week, we’re featuring several New Year’s resolutions you can implement now to help control your healthcare expenses. Insurance companies, hospitals, and medical providers sometimes make claim and billing errors. These mistakes can have serious consequences. The first step in uncovering these errors is checking your Explanation of Benefits (EOB). After receiving medical treatment, you will receive an EOB from your insurance company. The EOB will come in the mail or, if you signed up for electronic notifications, you will receive…

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Waiter takes an order wearing a mask and gloves.

5 Things Hospitality Workers Need to Know Now

Change is afoot in the Sunshine State.  Under Governor Ron DeSantis’s full Phase One reopening plan, restaurants in Florida were allowed to open at 50% capacity on May 18. Most major amusements parks are reopening in June.  Even with these major steps towards reopening the economy, it’s clear things will not be back to normal anytime soon for Florida’s hospitality industry. Nearly 2 million applications for unemployment have been filed in Florida. The Payroll Protection Act has helped keep some…

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Graduation cap sits on large stacks of cash.

Coronavirus and Student Loans

COVID-19 Leads to Temporary Stop of Student Loan Payments The Coronavirus Pandemic has far-reaching effects on our nation. Economic shutdowns and widespread job losses have made it difficult for many Americans to pay their student loans. Fortunately, on March 27, 2020, President Donald J. Trump signed the CARES Act into law, which, among other things, provides broad relief for federal student loan borrowers. During the COVID-19 national emergency, federal student loan borrowers are automatically being placed in an administrative forbearance.…

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Woman wearing a mask for protection against COVID-19.

Coronavirus Relief and Garnishment

Don’t Let Your COVID-19 Relief Get Garnished Under the CARES Act, most Americans are receiving economic impact payments. According to data from the Internal Revenue Service (IRS), the maximum payout is $1,200 per individual taxpayer or $2,400 for married couples filing jointly, with additional amounts for each dependent child. If you owe money to creditors, you may be worried that your stimulus payment could be garnished and you’re right to worry. Although your stimulus payment cannot be garnished from the…

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A fifty dollar bill and other cash in jeans pocket.

Garnishment of Federal Tax Refunds

Tax Refunds and Garnishment You may be expecting a federal tax refund. But will you actually get it if you owe money to creditors? Manta Law, a Tampa Bay boutique firm representing individuals and consumers in a variety of matters, wants to make sure you’re informed about how the law of garnishment applies to federal income tax refunds.  Garnishment by Federal and State Agencies Under the Treasury Offset Program (TOP), federal and state government agencies may collect outstanding debts…

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Mother holding a toddler daughter.

Head of Household: What Does it Mean for Garnishment?

Head of Household: What Does that Mean for Garnishment? Is a creditor trying to garnish your wages? Then you need to know about the head of household exemption. It provides an exemption from garnishment of earnings payable to a head of household. Are You a Head of Household? To be a head of household, you must: Provide more than half of the financial support for another person you have a legal or moral obligation to support. The supported person can…

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Senior woman looking at bills at the kitchen table.

Understanding Charity Care

What’s Charity Care? Do You Qualify? Are you uninsured and having trouble paying your medical bills? You may be wondering if you qualify for charity care. Charity care is health care provided for at no cost or a reduced cost to patients who have no health insurance and can’t afford to pay. There’s no Florida law mandating how much charity care hospitals must offer. But fortunately, many Tampa Bay hospitals and medical facilities do offer charity care to qualifying patients.…

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Concerned senior couple looking at laptop with phone on table.

High Number of Floridians with Unpaid Medical Bills

Medical Bills a Problem for Floridians A high number of Florida residents have unpaid medical bills. Among Florida adults, 20.7 percent now have unpaid medical debts, according to a recent report published by the website 24/7 Wall St. This level is the 32nd highest among the 50 states. Nationwide, 22.7 percent of U.S. adults have past due medical bills, according to the study, which is based on a 2018 analysis published by the Financial Industry Regulatory Authority (FINRA). According to…

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3808 Gunn Hwy, Tampa, FL 33618
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Manta Law 2021. All Rights Reserved.

Manta Law 2021. All Rights Reserved.