Medical billing is when your provider sends a claim or bill to you or your insurance company for the care you received. It helps make sure doctors and hospitals get paid for their services.
If your claim is processed through insurance, you’ll receive an explanation of benefits (EOB) from your insurance company. An EOB shows all required information to get your claim approved quickly, including:
- Patient name
- Description of service
- Date of service
- Provider or retailer name
- Cost of the service or item
If you’re looking for a medical bill, check out our medical bill payment options by state.
Review the medical bill carefully, checking the dates of service, medical services, the amount your insurance paid, and what you owe. Visit our medical bill payment options by state.
The IRS says you may deduct costs used to pay for medical care. Learn how tax deductions work and what medical expenses may be deducted from your taxable income.
Review the medical bill carefully, checking the dates of service, medical services, the amount your insurance paid and what you owe. If something doesn’t look quite right or you have questions, call the number on the bill for help.
If you have questions, you can find support options online or call the number on your bill. They can answer questions and talk about payment options or financial assistance.
Call the number on your bill to ask whether your provider offers financial assistance.
Call the number on your bill and explain what you think is wrong. They will review your account and work with you to resolve any concerns.
There may be specific timeframes to dispute a charge, which will be stated on the bill. It is best to call as soon as you notice an issue.
Yes, your HSA can be used to pay for health care, medications and more. Learn about qualified expenses and how to use your HSA to get more from your money.
Yes, you can use your HSA to pay for dental care if it's a qualified expense. For example, cleanings or fillings may be qualified expenses under your HSA plan. Check your HSA plan for details.
You can pay with your HSA by using your HSA debit card at the doctor’s office, pharmacy or online. You can also sign in to your HSA account to pay bills or reimburse yourself.
Typically you can’t use your HSA to pay for regular health insurance premiums, but there may be a few exceptions. Check your HSA plan for details.
If you’re enrolled in Medicare, you can reimburse yourself for certain insurance premiums, including premiums for Medicare Parts B and D and Medicare Part C (Medicare Advantage — plans offered by private insurers that replace Medicare coverage).
Learn how Medicare impacts your HSA eligibility, HSA contributions and qualified medical expenses.
Yes, you can use your HSA to pay for copays for a qualified medical expense. Discover all the ways to save and pay with your HSA for health services and costs.
You can use your FSA to pay for any qualified health care cost, whether it’s a service, treatment or product. Our eligibility tool helps you understand what products and services are qualified medical expenses.
You can pay with your FSA by using your FSA payment card at the doctor’s office, pharmacy or online. Or, if you pay out of pocket, you can submit a claim through your FSA account or mobile app to reimburse yourself.
Yes, you can use your FSA to pay for copays for a qualified medical expense. Discover all the ways to save and pay with your FSA for health services and costs.
A deductible is the amount you pay for health care before your insurance before your insurance starts to pay. After you meet your deductible, your plan begins to share the cost.
You can find your deductible amount by reviewing your insurance plan documents, contacting your insurance company at the number listed on the back of your insurance card, or logging into your insurance company's website.
A copay is a set amount of money you pay for a health care service, like a doctor visit or medicine, at the time you get it.
You can find your copay amounts by reviewing your insurance plan documents, contacting your insurance company listed on the back of your insurance card, or logging into your insurance company's website.
HMOs and PPOs have different networks of providers, costs and coverage for out-of-network services. An HMO requires you to pick doctors from a set list and get permission to see specialists. A PPO lets you choose almost any doctor without asking first, but usually costs more.
The health insurance plans we accept vary by location. Call your doctor’s office to make sure they accept your health plan. You can also contact your health insurance company to find out if you can see an Optum provider.
No. Our providers contract with major health insurance plans. These include:
- HMOs (health maintenance organizations)
- PPOs (preferred provider organizations)
- Original Medicare
- Medicare Advantage plans
- Supplement plans
Yes, you can use Optum Perks if you have health insurance, but Optum Perks can’t be combined with insurance. Usually, insurance has lower drug costs. The cost of medication is usually cheaper with a prescription insurance plan, but sometimes a prescription discount card can offer a better price. Choose the option that’s right for you.
There are several ways to learn about your Medicare coverage options. You can review the CMS website at Medicare.gov or call 1-800-Medicare (1-800-633-4227/TTY call 1-877-486-2048), 24 hours a day/7 days a week. You can contact Medicare Advantage health plans directly for information about the plans they offer.
We can help you find the right Medicare plan for your needs. Visit Medicare Support.
If you’re enrolled in Medicare, supplemental insurance is extra coverage you can buy to help pay costs that Medicare doesn’t cover, like copays or deductibles.
Yes, Medicare covers infusion therapy services, equipment and supplies when medically reasonable and necessary. Learn more about Optum Infusion Pharmacy.
You can pay your Optum Infusion Pharmacy bill online. Simply enter your date of birth, account number, date of service and service charges from your bill to get started.