Receiving an Explanation of Benefits after a medical visit creates immediate anxiety. An EOB is an informational statement from your insurer, not a demand for payment.
Under 29 CFR 2560.503-1, ERISA group health plans must grant a minimum 180-day window to appeal denied claims. Paying a bill before your insurer processes appeals often results in paying unadjusted charges.
Compare the patient responsibility amount on your EOB directly against the final provider bill before sending money. Providers cannot collect patient balances until insurance claim processing completes.
Waiting for matching statements prevents paying denied claims that could be successfully appealed.
How long after a medical visit do you usually wait before paying?
(For educational purposes only. Not financial advice.)
