Step 2:

Review the EOB to make sure the insurance company processed your claim correctly, and the “Patient Responsibility” amount matches the bill you received. If the “Patient Responsibility” is lower than what you are billed for, inform the provider billing department immediately – the provider may be overcharging you, unlikely intentional, but the insurance company might have under paid the provider due to claim processing errors.

Even when the “Patient Responsibility” matches with the amount billed by your provider, verify if the claim was processed correctly by your insurance company. Have your Annual Deductible been met but the EOB indicates otherwise? Is the Copayment and Co-insurance calculated correctly—Primary Care VS Specialty Care, In-network VS Out-of-network, etc.