CMS ⭐⭐ RatingBillSherpa · Hospital Billing Guide · 2026

Indiana University Health Billing Errors — How to Check If You Were Overcharged

If you received a bill from Indiana University Health in Indianapolis, IN, you have every right to question it. The federal government's patient satisfaction survey gives this facility 2 out of 5 stars — placing it in the bottom 30% of US hospitals. Here's how to check your bill for errors at no cost and what federal law says about your rights.

Why billing errors are common at hospitals like Indiana University Health

Studies consistently show up to 80% of hospital bills contain at least one error. Billing errors happen at every hospital regardless of star rating — but patients at lower-rated hospitals are more motivated to check, and those who check often find errors worth disputing. The most common errors are entirely preventable: duplicate charges, services never performed, codes that are split when they should be combined, and preventive visits miscoded as diagnostic.

A 2-star CMS rating places Indiana University Health in the bottom 30% nationally for patient satisfaction. It does not by itself prove billing errors — but it means patients have reported below-average experiences across multiple dimensions, and billing concerns are among the most common sources of patient dissatisfaction.

The most common billing errors to check for

Duplicate charges

The same CPT code billed more than once for the same date of service. Most common with lab tests and routine procedures. If the same line appears twice with the same date, one of those charges may not be legitimate.

Services not rendered

Charges for procedures, supplies, or consultations ordered but never performed. Compare your itemized bill against your medical records — every charge must have corresponding documentation in your chart under CMS billing rules.

Upcoding

Billing for a more complex or expensive procedure than was provided. Emergency department visits are the most common target — a Level 3 visit coded as Level 5 (CPT 99285, up to $2,500) is a significant overcharge.

Unbundling

Splitting codes the National Correct Coding Initiative (NCCI) requires to be billed together. The NCCI publishes 3.3 million code pairs that cannot be separated — splitting them inflates your bill.

Preventive care miscoding

ACA Section 2713 42 U.S.C. § 300gg-13 requires insurers to cover recommended preventive services at zero cost. When a preventive visit is miscoded as diagnostic, your full deductible applies for a visit that should have been free.

Balance billing violations

Under the No Surprises Act 42 U.S.C. § 300gg-111, you cannot be charged above your in-network rate for emergency care or for out-of-network providers at in-network facilities who treated you without advance written consent.

Your legal rights as a Indiana University Health patient

1. Right to an itemized bill. Request a complete line-by-line statement showing every CPT code, ICD-10 diagnosis code, date, and charge. Indiana University Health is legally required to provide one.
2. Right to dispute errors. Any incorrect charge can be formally disputed in writing. Send your dispute certified mail to billing and the compliance office. Keep copies of everything.
3. FDCPA collection pause. If your bill is with a collection agency, a written dispute within 30 days of their first written notice pauses all collection activity under the FDCPA 15 U.S.C. § 1692g.
4. No Surprises Act. Emergency care and out-of-network providers at in-network facilities are capped at your in-network cost-sharing 42 U.S.C. § 300gg-111.
5. Price transparency. Indiana University Health must publicly post prices for 300+ services under the Hospital Price Transparency Rule 45 CFR § 180. If your charge exceeds their published rate, cite that discrepancy.
6. State protection. Indiana provides additional balance billing protections for state-regulated plans.

How to dispute your Indiana University Health bill

1. Request your itemized bill and medical records simultaneously.
2. Compare every line item against your chart documentation. Flag anything without supporting documentation.
3. Write a formal dispute letter naming each disputed CPT code, the specific error, and the applicable federal statute. Send certified mail to billing and compliance.
4. Escalate to the patient advocate or relations office if billing doesn't respond within 30 days. File with the IN state insurance commissioner and CMS if applicable.
5. Pay only what you agree is correct. Formally dispute the rest — never pay a disputed charge simply to end the process.