once you were admitted to the hospital, and the hospital facility itself. You may have follow-up offce visits with a specialist, several types of ongoing treatments, physical therapy, or home care.

I know it’s overwhelming and intimidating because this has never happened to you before. You were not planning for this, the bills keep coming in the mail, and you are afraid of what will happen when you run out of money.

I’m not telling you this to scare you and I’m not scared for you, because I have done this so often that I actually enjoy talking to billers and I hope to show you how easy it can be.

Before we ever talk to billers, we need to have a plan. On the opposite page you will see a template I made for you to help you get a handle on the range and scope of your liabilities. You can create a duplicate of this template or download it from the book’s companion website at www.medicalbillsurvivalguide.com and fll it in to keep a record of all the correspondence between you and your providers and your insurance company.

For every service you have done, you will receive a bill from the provider and an Explanation of Benefts (EOB) from your insurance company. An EOB is a notice from the insurance company that tells you if the insurance company paid and what is due from the patient to the provider, if anything. If you do not have insurance, you will only receive the bill.

If you have insurance, it is very important that you keep track of all the bills and EOBs that you receive. Every service you have will have both a bill and an EOB. I recommend that you 1) staple matching bills and EOBs together, 2) fle them in folders by provider, and 3) sort them by date of service. You can use the template on the opposite page as an index. It will help you keep track at a glance without having to dig through tons of papers.

32 // The Medical Bill Survival Guide