4 Ways to ensure your medical bill is correct
1. Review the itemized statement
First, review and ensure that all of the patient information and healthcare provider information listed on the bill is accurate. Additionally, you’ll want to confirm that the correct health insurance plan information is listed on the bill.
Your bill should also include a detailed list of all charges. If it does not, call the healthcare provider’s billing office and ask for an itemized statement. It is important to note that you may receive more than one bill from different providers that were involved in your healthcare service, such as surgery. It is normal, for example, to receive one bill from the hospital, one from the anesthesiologist, and/or one from the surgeon, etc. In these cases, you should request an itemized bill from all providers involved.
2. Review the individual charges
The itemized charges should have CPT codes associated with them. You can learn more about these charges, CPT codes, and further descriptions of them through a number of free websites. This will help to clarify medical terminology that is often confusing.
If your bill has a payment listed as “insurance payment” or “plan payment,” it is the amount your insurance company has already paid to the provider. If no payments are listed, it could mean that your insurance company has not yet paid the provider. Before making a payment, it may be a good idea to double-check with your healthcare provider or your insurance company to confirm that the amount listed as owed by the patient is the appropriate amount.
3. Compare the bill with your EOB
The explanation of benefits (EOB) letter you receive from your insurance company will also have a list of the CPT codes associated with the services or supplies you received. The CPT codes listed on the EOB should always match the CPT codes listed on your itemized bill from your healthcare provider.
4. Check for errors
With thousands of medical billing codes, mistakes inevitably occur at times. Patients should always be diligent about reviewing their medical bills to ensure that all the information listed is accurate and up-to-date.
Understandably, medical terminology is complex and can be baffling and perplexing. It is important as a patient to do your research and if you have any concerns, always ask your provider for further clarification, and they will be happy to help you.