Step-by-step: disputing a medical bill

1. Do not ignore the bill

   Ask questions instead of ignoring it.

2. Request an itemized bill

   Ask for every charge with codes.

3. Get the EOB

   Download it from your insurer's website or ask for a copy.

4. Compare carefully

   Match each line and mark errors.

5. Call the billing office

   Ask about each questionable charge and write down the answers.

6. Ask for a hold

   Ask that the account not go to collections during the review.

7. Contact your insurer

   If the claim was denied or processed wrong, call your insurer.

8. Appeal if needed

   File a written appeal before the deadline.

9. Apply for assistance

   Ask for the financial assistance application.

10. Follow up in writing

    Confirm agreements by email or letter.

11. Keep records

    Save everything.