I had a routine checkup a few weeks ago and I got my explanation of benefits/bill from my insurance provider. It’s split up into three different documents for reasons I can’t determine.
Document 1 has one line item: One unit of “Medical Services” for ~$500. The “Provider Responsibility” (whatever that means) knocks $200 off that and I am responsible for the rest.
Document 2 is longer at 12 line items. The first being “Surgery”. I’m reasonably certain that I didn’t have surgery so who knows what that’s for. It’s for $31 and I am responsible for $8 with my nice provider taking $23 of the responsibility. The rest of the 11 line items are for “Lab Tests”. They are for various amounts and I owe nothing on them. Except for the last one. It cost $8, my provider is nicely covering $3.62 leaving me the princely sum of $4.38. Why? Who the hell knows?
Document 3 is two lines of more “Lab Tests”. Why a third document? Again, who the hell knows? But luckily I don’t have to pay anything for either of these.