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Family Life

How to Read Your Child’s Medical Bills & Insurance Forms

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Sorting through your child's medical bills or health insurance forms can be a challenge.

How can you tell how much, who and what the bill is for? And what's the difference between an explanation of benefits (EOB) and a bill? What do all the charges mean? How much of it is covered by insurance? What do you owe?

Read on to learn about phrases used on medical bills and forms you receive from health insurance, doctors and hospitals. (For information about types of insurance and choosing a plan, see "Tips for Choosing Health Insurance for Your Family.")

12 terms on health insurance forms

Watch this video for more medical billing help

More information


This information was supported by the Congenital Heart Public Health Consortium (CHPHC). The CHPHC is housed at the American Academy of Pediatrics (AAP) through a cooperative agreement between the AAP and the Centers for Disease Control and Prevention. Its mission is to improve the lives of those impacted by a congenital heart defect. Organizational members of the Consortium represent the voice of providers, patients, families, clinicians and researchers.

Last Updated
1/30/2025
Source
American Academy of Pediatrics (Copyright © 2025)
The information contained on this Web site should not be used as a substitute for the medical care and advice of your pediatrician. There may be variations in treatment that your pediatrician may recommend based on individual facts and circumstances.
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