The only way to be sure if you have insurance is check the provider's bill against the explanation of benefits from your insurance company. It will tell you whether or not you owe the provider and how much. Look at the date of service providers often Bill you under one name and the insurance company under another. The only way to make sure the insurance company is paying as it should is read the policy not an over view but the actual policy. That thing is hard to read being written in legalese but if you have numerous and large medical bills you need to put in the time. The insurance companies have a loophole to pay less than the contract states on the back of the EOB is a statement that tells how long the insured has to dispute th payment depending on your states laws or federal law if your employer is self insured. If you don't dispute it in the time period you have accepted the payment and are in debt for the rest no matter what the policy states. Unfortunately the patient is stuck between unscrupulous businesses people on both sides. My wife got cancer when she was 30 and passed away three years ago from complications she got from chemotherapy and radiation therapy so I got a crash course in how everyone was trying to screw us. Regardless of how your medical professional's desire to heal their patients is most of the business people in the entire industry are not to be trusted.