ATTENTION: OUT OF NETWORK SURGEONS
Fellow Surgeons: You're Leaving 7+ Figures on the Table (I Did Too)
A retired foot & ankle surgeon reveals how I discovered I lost over a million dollars to insurance underpayments
(and the federal law that can help you recover what's rightfully yours.)
Fellow Surgeons: You're Leaving 7+ Figures on the Table (I Did Too)
A retired foot & ankle surgeon reveals: how I discovered I lost over a million dollars to insurance underpayments
(and the federal law that can help you recover what's rightfully yours.)
Hello, I'm Dr. Trevor Neal
I'm a retired foot and ankle surgeon who should be playing golf right now.
Instead, I'm here writing this because I learned something that made me so angry, I couldn't stay retired.
When I discovered the No Surprises Act and what it meant for surgeons like us, I did the math on my own career. The number was staggering: well over seven figures. Million-plus dollars that should have been in my practice account, not padding some insurance company's profits.
But here's what made me even angrier: this information isn't being shared.
Right now, virtually 9 out of 10 surgeons doing emergency calls are leaving massive amounts of money on the table every single month. Not because they're charging too little. Not because they're seeing too few patients.
Because they don't know about a federal arbitration process that exists right now that can recover as much as 8 times what insurance companies pay you initially.
Here's what's happening to you right now
Every time you treat an out-of-network patient in an emergency situation, insurance companies pay you something called a "Qualified Payment Amount."
It's usually around 3% to 10% of what you normally charge. So if you bill $30,000 for a surgery, insurance may pay you $3,000.
Most surgeons think this is just the new reality of medicine. Or that fighting back is either impossible or not worth the hassle. So they accept it and move on.
But here's what you don't know. For the first time in years, you have a federal right to challenge these underpayments. And when you do it right, that $3,000 could become $20,000, $25,000, or even the full $30,000.
Insurance companies are counting on you not knowing about this.
They're counting on you being too busy saving lives to fight. They're counting on you feeling like this is just "the business side of medicine" that you never wanted to deal with in the first place. And for insurance companies, that strategy is working perfectly.
In January 2022, something called
the No Surprises Act went into effect.
This federal law does two things:
1
First, it requires insurance companies to pay you very low initial payments for out-of-network emergency cases.
They take all the in-network rates they pay for your procedure, find the median rate, and that becomes your payment.
The result? You typically receive 3% to 10% of what you'd normally charge.
2
But here's the critical part most surgeons don't know:
This same law that created that low initial payment ALSO created a mechanism for you to get paid what you're actually worth.
...If you know how to ask for it.
Here's how it works:
You treat an emergency patient with insurance you're not in-network with. Insurance pays you that insulting low amount... and that payment starts a 30-day clock. You have 30 days to challenge that payment by starting a federal arbitration process.
An independent arbitrator decides what you should really be paid. They issue a binding decision. And the insurance company must pay you that amount.
But you have to start the process within 30 days of getting paid. Miss that deadline by even one day, and you lose the right to that money forever.
The results are absolutely incredible.
According to federal data, the handful of providers who are using this system are seeing average recoveries of 980% more than the initial insurance payment.
So that $3,000 payment could become $24,000. A $5,000 payment could become $40,000 or more.
But here's the shocking part: Only around 15% of eligible claims are being arbitrated. That means 85% of the time, surgeons are just accepting whatever insurance companies decide to pay them.
Think about that for a moment...
Think about the last emergency case you handled. What did insurance pay you? Now multiply that by 8 or 10. That's probably what you could have gotten.
Now think about every emergency case you've done over the last year. All that additional revenue you could have recovered. Not because you did anything wrong, but because you didn't know this system existed.
Your biggest expense isn't your malpractice insurance, payroll, or taxes. Your biggest expense is the gap between what insurance paid you on completed cases... and what you COULD have recovered on those same cases.
And it's completely invisible on your P&L statement.
This is exactly why I couldn't stay retired.
I couldn't keep this information to myself while watching insurance companies get richer off the efforts of my colleagues. Surgeons from coast to coast need to know about this opportunity.
As a surgeon who sacrificed years of your life, took on massive debt, and dedicated yourself to healing others... you DESERVE to receive fair compensation for your expertise. Not what some insurance company decides you're worth.
But here's the reality: Every day you wait means more of those 30-day windows are closing forever.
Every case where you miss that deadline represents money you'll never collect. Money that'll stay in the insurance company's account instead of yours.
This isn't some loophole or gray area. This is federal law.
And it has zero impact on your relationship with hospitals or other facilities you work with. This is purely about getting what insurance companies are required to pay you under the law.
It's a bolt-on service. We're not replacing anything you're currently doing. There's no risk, no downside - only upside.
You continue practicing exactly as you do now. When insurance companies underpay you, that's when this process kicks in to recover what's rightfully yours.
Here's what I'd like to do for you.
I'd like to offer you a call with me to find out if I can help you recover the money insurance companies have been keeping from you.
On this call, we'll look at your case volume, your specialty, and I'll tell you exactly how much money you're potentially missing out on.
I'm not going to sell you anything. I'm going to educate you on this process and help you understand what's possible - whether you work with me or not.
But here's the critical part: Every day you wait, more of those 30-day deadlines are passing. More money is being left on the table forever.
The only real risk here is continuing to do what you've always done - accepting whatever insurance companies decide to pay you, when you could be getting so much more.
Book a call with me to find out if I can help you.
Because too many brilliant surgeons like you are missing this opportunity. And there's no reason you should be one of them.
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