3 reactions
LPT: Never pay a medical bill until you receive the "Explanation of Benefits" from your insurance. If the bill is higher than the EOB says, you likely don't owe it.
Most people treat the bill from the doctor’s office as the final word. It isn't. It is just a request.
Your insurance company generates a separate document called an EOB (Explanation of Benefits). It looks like "This is not a bill" junk mail, but it is actually the binding receipt of the contract between your insurer and the doctor.
Why this matters:
Doctors often send a bill for the full "sticker price" ($500) before insurance processes it. Or, they bill you for the "Network Discount" that they are contractually obligated to write off.
The Fix:
1. Wait: Do not pay the doctor's bill until you have the EOB in hand (or check your insurance portal).
2. Match: Look at the box on the EOB labeled "Patient Responsibility" or "What You Owe."
3. Compare: If the EOB says you owe $50, but the doctor′s bill says $150, you only owe $50.
The difference is usually a billing error or a "Balance Billing" attempt.
What to do:
Call the billing office and say this exact phrase: "I’m looking at my EOB and it says my patient responsibility is $50. Your bill does not reflect the insurance adjustment. Please correct it."
It works almost every time and can save you thousands over a lifetime.
#entertainment
source
Most people treat the bill from the doctor’s office as the final word. It isn't. It is just a request.
Your insurance company generates a separate document called an EOB (Explanation of Benefits). It looks like "This is not a bill" junk mail, but it is actually the binding receipt of the contract between your insurer and the doctor.
Why this matters:
Doctors often send a bill for the full "sticker price" ($500) before insurance processes it. Or, they bill you for the "Network Discount" that they are contractually obligated to write off.
The Fix:
1. Wait: Do not pay the doctor's bill until you have the EOB in hand (or check your insurance portal).
2. Match: Look at the box on the EOB labeled "Patient Responsibility" or "What You Owe."
3. Compare: If the EOB says you owe $50, but the doctor′s bill says $150, you only owe $50.
The difference is usually a billing error or a "Balance Billing" attempt.
What to do:
Call the billing office and say this exact phrase: "I’m looking at my EOB and it says my patient responsibility is $50. Your bill does not reflect the insurance adjustment. Please correct it."
It works almost every time and can save you thousands over a lifetime.
#entertainment
source
1
1
1
| 5,000 mlx | |
| 4 | |
| 3 |