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This is a sample analysis. Your own bill would produce a screen just like this — with your provider, your charges, and your specific next steps.

Analyzed

Memorial Hospital

Account MH-8823419 · Service date Mar 12, 2026 · Invoice INV-2026-0312 · Analyzed Apr 2, 2026

Run againTry it on your bill

Should I pay this?

Not yet.

This bill and your insurance EOB disagree by $720.00 — that's a red flag worth resolving before you pay.

Why: Your provider charged $3,842, but your insurance EOB lists $395 as your patient responsibility. That's a $720 difference that needs to be checked before you pay anything.

Amount due

$1,115.00

Due May 15, 2026

📍

Next step: Contact Memorial Hospital before paying this bill.

Issues to check

  • Amount due doesn't match your EOB

    Critical

    Your bill lists $1,115 due, but your EOB says your patient responsibility is $395 — a $720 difference.

  • Possible duplicate charge

    Warning

    The emergency room visit appears twice on the bill, but only once on your EOB.

Recommendations

  1. Don't pay yet

    Hold off until the $720 difference is confirmed with your provider.

  2. Request an itemized bill

    A line-by-line bill makes it easier to spot the duplicate charge.

  3. Confirm with your insurer

    Ask Cigna to confirm your patient responsibility for claim #8X4M2K.

Your next steps

  1. 1

    Don't pay yet.

    Your bill doesn't match your EOB.

  2. 2

    Request an itemized bill.

    We've prepared the request for you.

  3. 3

    Contact your insurer.

    Ask them to confirm patient responsibility for claim #8X4M2K.

  4. 4

    Contact the provider.

    Use the message below.

Read this when you call

Hi, I'm calling about account #MH-8823419. I received a bill for $1,115, but my insurance EOB shows $395 as my patient responsibility. Could you please review the account and explain the $720 difference?

Have this handy

  • Account #MH-8823419
  • Bill says $1,115; EOB says $395
  • Ask about the duplicate ER charge

Questions to ask

  • Is the emergency room visit charged twice?
  • Can you provide an itemized bill?
  • What is the correct balance after insurance?

Ready-to-send letters

Edit anything before sending, then copy or download.

Preview

SUBJECT: Request for itemized bill — Account #MH-8823419 To the Billing Department at Memorial Hospital: I am writing to request an itemized statement for account #MH-8823419 for services on March 12, 2026. My insurance Explanation of Benefits lists my patient responsibility as $395, while my bill shows $1,115 due. Please provide a line-by-line breakdown of all charges, including each procedure code, so I can verify the balance. Thank you, Alex Rivera

Bill vs. EOB

Provider bill

$1,115.00

patient responsibility

Insurance EOB

$395.00

patient responsibility

Potential discrepancy: $720.00

Your bill shows you owe $1,115, but your insurance EOB lists $395 as your patient responsibility — a $720 gap. Most of the difference comes from a duplicate emergency room charge that never appeared on your EOB.

Recommended: Hold off on paying. Ask the provider to explain the $720 difference and request an itemized bill before making any payment.

What we found

Patient responsibility doesn't match

Confirmed

Your bill says you owe $1,115, but your EOB lists $395 as your patient responsibility.

Next step: Contact the provider and ask them to reconcile the amount with your insurer before you pay.

Procedure appears twice

Confirmed

CPT 99284 (Emergency visit) appears twice on the bill but only once on your EOB.

Next step: Ask the provider whether this is a duplicate charge and to remove it from the bill.

Missing insurance adjustment

Confirmed

The duplicate line item has no insurance adjustment, so it wasn't reduced by your negotiated rate.

Next step: Confirm the duplicate is removed; the adjustment should match the first ER visit line.

Your bill, in plain English

Provider charged$3,842.00
Insurance adjustment-$1,927.00
Insurance paid-$800.00
You may owe$1,115.00

Provider charged: The total amount Memorial Hospital billed for your March 12 emergency visit.

Insurance adjustment: The discount your insurer negotiated with the provider for in-network care.

Insurance paid: What Cigna has already paid toward the claim.

You may owe: What the bill lists as your remaining balance.

Extracted from your documents

Provider
Memorial Hospital
Patient
Alex Rivera
Account number
MH-8823419
Invoice number
INV-2026-0312
Date of service
Mar 12, 2026
Due date
May 15, 2026
Insurance
Cigna
Plan
PPO Gold
Member ID
88120492

Charges on this bill

  • Emergency department visit, level 4

    CPT 99284$1,250.00

    The main emergency room charge, covered at your in-network rate.

  • Emergency department visit, level 4 (duplicate)

    CPT 99284$1,250.00

    This looks like the same ER visit charged twice — it doesn't appear on your EOB.

  • CT abdomen and pelvis without contrast

    CPT 74176$982.00

    Imaging used to help your care team diagnose the issue.

  • Basic metabolic panel (lab)

    CPT 80048$360.00

    Routine lab work performed during your visit.

Terms you might not know

EOB
Explanation of Benefits — the statement from your insurer showing what it approved and what you owe.
Patient responsibility
The portion of the bill your insurance says you're responsible for paying.
Contractual adjustment
The discount your insurer negotiated with the provider for in-network care.

Documents

  • Medical billPDF
  • Explanation of BenefitsPDF

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