Don’t get spooked by multiple bills for your medical care

Did you know that even a simple visit to the doctor's office may result in two or more Explanation of Benefits (EOB) statements, depending on what services you received from other providers?

When you receive your EOB, don’t just throw it to the side. Look at it carefully to make sure the services you received match the services listed – it will also outline how much your health insurance plan covered for these services . If you have any questions call us at the number on the back of your Member ID card or ask your doctor about the service.

Now think about how many more services are involved for inpatient and outpatient hospital services. You will get multiple EOBs from different providers, depending on the services you received during your hospital visit. The physician charges will always be billed separately from all hospital charges.

For example, you go to your doctor to check your cholesterol. While there, you mention a pain in your arm after you fell the other night. The doctor draws blood for the cholesterol check and takes a few X-rays of your arm. You just had two procedures.

Your blood is sent to the lab for the cholesterol check, while a radiologist reviews your X-rays. The reports from both are sent back to your doctor. In this situation you can expect at least three different providers billing claims for that one doctor's visit. That is because each provider bills separately.

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