When it comes to your out-of-network health care, or services administered by a provider who is not contracted with your insurance company, the more you know, the better. Easier said than done, right?

If having unpaid bills makes you feel uneasy, know that you’re not alone. What if the bill gets sent to a debt collection agency before you’ve had a chance to resolve it? Can an unpaid medical bill be reflected in your credit report? Will your credit score suffer if you don’t pay it? Here are a few words of advice.

How to Negotiate a Medical Bill with NaviguardWhen you receive a medical bill for an amount beyond your deductible, co-pay and co-insurance, it’s called a “balance bill.” Quite often, a balance bill is prompted by medical care that’s considered out-of-network, or services from a provider who doesn’t have a contract with your insurance company.

Helping to understand Out-of-Network health care is what Naviguard does. We have broken down some confusing aspects including deductibles, copays, and coinsurance.

What is Out of Network Billing and how do you avoid it? Naviguard breaks down what OON bills are and what to do when you receive one.

This guide breaks down some of the most common terms in healthcare billing. Look here for the full healthcare billing glossary from Naviguard.

EOB stands for Explanation of Benefits and is sent by your insurance company after a doctor visit/procedure. Naviguard has defined what EOB means for you.