What do I do if I receive a bill from my doctor?
Receiving my Medical #Bill
Your doctor's office will submit a proposal (also called a claim) to your insurance company after you visit your doctor. A claim lists the services given to you by your doctor. The insurance company utilizes the data in the claim to pay for these services to your doctor.
When your doctor is paid by the insurance company, it may send you a document called a Benefit Explanation or EOB. This will demonstrate to you what the insurance company did when it got the proposal (claim) from your doctor. You need to know what your insurance company pays for, what it doesn't pay for, and why you need to be able to read and comprehend the EOB. An EOB does not constitute a bill.
The office of your doctor may send you a declaration. A declaration demonstrates how much your doctor's office charged the services you got to your insurance company. If you obtain a declaration before your doctor is paid by your insurance company, you do not have to pay the quantities mentioned at the moment. You may have to pay the doctor any balance due after your insurance business pays your physician.
Keep in mind that not all insurance companies send statements from EOBs and not from all doctor's offices. You may be able to obtain one or both.
For examples of an EOB and a billing declaration, see below, with explanations to help you know every aspect of the papers. Use what you're learning to closely review your EOBs and billing statements. There are a few things to look for here:
- If the service dates and service description on your EOB and accounting declaration are not the same, or if they do not match other documents you may have on your trip, first contact your doctor's office.
- Please contact your insurance company if you have questions about why your insurance company did not cover anything or the amount you have to pay.
- If your insurance company has not yet paid your doctor for more than 60 days, please email your insurance company.
No comments