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Health insurance invoices can make it difficult to determine the actual services being billed for by the service provider. (Photo: Shutterstock)

For most of us who have health insurance (employer group, individual coverage, VA, Medicaid or Medicare), chances are we never see the bill from the doctor or hospital. It is sent directly to the insurer for payment. Isn’t that nice!

Or is it? About six weeks later we may get a print-out from the insurer stating the bill amount, what the insurer paid, and what we as the insured may still owe. A few weeks later, a bill from the doctor or the hospital arrives with a very short “pay by” date. This includes any deductibles, co-pays and, more importantly, amounts in excess of what the insurer covered. Too often it’s quite a bit. For what?

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