7 things to do before you pay a medical bill

1. 1. Wait for your EOB before paying

   Your Explanation of Benefits from your insurer shows what you actually owe. Do not pay any bill before your EOB has been issued and you have compared the two documents.

2. 2. Request an itemized bill

   If you only have a summary bill, request an itemized version. You cannot verify charges without it — and you have the right to one at no cost.

3. 3. Check for duplicate charges

   Scan the itemized bill for the same service appearing more than once, or multiple charges that seem to describe the same thing.

4. 4. Verify insurance was applied correctly

   Compare the insurance payment shown on the bill with your EOB. If they differ, the billing department needs to reconcile the two before you pay.

5. 5. Check for services you don't recognize

   If any line item doesn't match your recollection of what happened during your visit, ask the billing department to explain it before paying.

6. 6. Ask about financial assistance

   If the balance is large and you have concerns about paying it, ask about financial assistance or charity care before agreeing to a payment plan.

7. 7. Get any agreements in writing

   If you negotiate a discount, financial assistance, or a payment plan, get the terms confirmed in writing before making your first payment.

A note on this guide

General information only. Not legal or medical advice.