Watch your mail for information from your insurance company and medical provider. Whether you get a bill for services depends on the type of health visit:
- If you had an annual preventive care visit, your health insurance will generally cover the cost of the visit, but you may have to pay for tests or services that were ordered beyond what’s covered by your plan. Either way, you will likely get some sort of statement in the mail.
- If you saw the doctor for a health concern, your health insurance company may be billed for the visit. The costs you pay depend on your health insurance coverage. Some health insurance plans are set up so you pay a copay for office visits. The copay is usually paid at the time of the appointment. Some plans have a deductible amount, and you’re responsible to pay for the full cost of care up to the deductible amount. In that case, if you haven’t met the deductible amount, you may receive a bill for the cost of the health care services used.
The Explanation of Benefits (EOB)?
An Explanation of Benefits (EOB) is a statement sent to you by your health insurance company. The EOB explains what medical treatments or services were paid for by your health insurance. Keep in mind, the EOB is not a bill. The medical provider will send a bill for services, if the patient is responsible to pay.
Keep the EOB handy. When you receive the bill from your health care provider, you can compare both documents. The amount you owe on the bill should match up with the EOB. Need more help understanding health insurance documents? Contact your health insurance company with questions about your coverage.