Six steps to reduce your high medical bills

Step 1. Do not pay your medical bill immediately. Wait for an "Explanation of benefits" document to be sent by your insurance company. If a collections staff of the health care provider calls you up and asks for payment, inform them that you have not obtained your explanation of benefits from your insurance company. The Explanation of benefits (EOB), provides a great deal of detail about the healthcare service availed by you and lists out how much you owe. The EOB is generated typically after the insurance company has negotiated with and agreed to pay a final amount to the healthcare provider. In some cases, the health care provider sends out their bill before this is done and many times customers pay it without giving it a second thought! You don’t have to unless you get the EOB.


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