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Understanding Your Bill

If you have been in the hospital, you will receive a bill listing the charges. Hospital bills can be complex and confusing. While it may seem hard to do, you should look closely at the bill and ask questions if you see something you do not understand.

A hospital bill will list the major charges from your visit. It lists the services you received (such as procedures and tests), as well as medicines and supplies. Most of the time, you will get a separate bill for health care provider fees. It is a good idea to ask for a more detailed hospital bill with all of the charges described separately. That can help you make sure the bill is correct.

If you have insurance, you may also get a form from your insurance company, called an Explanation of Benefits (EOB). This is not a bill. It explains:

  • What is covered by your insurance
  • Amount of payment made and to whom
  • Deductibles or coinsurance

A deductible is the amount of money you must pay each year to cover your medical care expenses before your insurance policy starts to pay. Coinsurance is the amount you pay for medical care after you have met your health insurance deductible. It is often given as a percentage.

The information on the EOB should match your hospital bill. If it does not, or there is something you do not understand, call your insurance company.