EOB Says I Owe But No Bill – What Should I Do?

General
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Hey everyone,

I just got an Explanation of Benefits (EOB) that says I owe money for a recent medical visit, but I haven’t received an actual bill yet. Has anyone else dealt with this? Should I contact my insurance company or the medical provider, or just wait it out?

Thanks for any advice!

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It is quite common nowadays to receive an Explanation of Benefits (EOB) before the actual bill. The EOB is not a bill; it is just a statement from your insurance company detailing what was covered and what you might owe.

Here is what you can do:

  1. Review the EOB: Make sure the services listed and the amounts are correct.
  2. Wait for the Bill: The actual bill from your medical provider should arrive separately. This will show the exact amount you owe.
  3. Contact your insurance company: If you have questions about the EOB or if something seems off, give your insurance company a call.
  4. Reach out to your medical provider: If you don’t receive a bill within a reasonable time, contact your medical provider to ensure they have your correct billing information.
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In my experience, it’s usually best to wait for the actual bill from the doctor’s office. That way you have all the details to figure out what’s covered and what’s not. But hey, if you’re really worried, calling the doc’s office for a heads-up never hurts. :slight_smile: