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How To Track Of Your Claims For Medical Bills: A Simple Method

An Easy System To Keep Track Of Your Medical Bills

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An easy tracking system is to set-up the following five folders which are to be stored together in a safe place (where children and the rain can't get at them).

The five folders are:

  • Unpaid Bills (Consider using a separate folder for each health care provider)
  • Explanations of Benefits (EOBs) (The insurance company's written response to your claim)
  • Questionable Bills (Bills that you need to check with your health care provider)
  • Questionable EOBs (Statements you need to check with the insurance company)
  • Completed Claims (Fully paid claims, including a copy of the credit card receipt, check or receipt of your cash payment)

NOTE: If you have more than one health plan, you will need two more folders: one for bills that have been processed by one company but not the other, and another for the second company's EOBs. To learn more, see the section below about more than one health plan.

For this system to work, you'll need to get a copy of each and every medical bill, including bills submitted directly to the insurance company by your provider or providers.

You may encounter some resistance from your provider to giving you copies of bills because most providers are no longer used to sending bills to patients. If you encounter resistance, explain to the billing person at your doctor's or other provider's office that you want to pay what you owe, but that without a copy of the itemized bill to compare to the insurance company's Explanation of Benefits (EOB), you have no way of knowing the correct amount.

Once your provider's office gets in the habit of providing you with a copy of their bill, you should hopefully encounter less resistance.


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