Just adding on to arrendek:
Never pay a medical bill either from the hospital, doctor or any other medical provider until you get the final EOB from your insurance company. If the EOB, says any part of the claim is still in process, don’t pay the bill yet, and, if you get billed again, let the provider know that’s what you’re waiting for. In short, you shouldn’t pay the bill until you know exactly how much the insurance company is going to pay and how much is left that you owe. Don’t take the hospital or doctor’s bill as gospel on that.
Also, it’s common for an EOB to state that insurance company is waiting on additional information from the hospital or doctor to determine the amount the insurance co. will pay. It’s perfectly OK to wait that out. If you get flak from the hospital or doctor, just tell them the insurance co. says they’re waiting on information from you guys(the hospital or doctor).
Most physicians’ practices these days are owned by the hospital system, so you’ll probably get only one, unified bill. If the physicians are independent, however, you’ll get two bills. In any case, if the physicians belong to your insurance company’s network, they can’t bill you for the balance beyond what the insurance company pays, and, in some states, they can’t bill you for the balance even if they don’t belong to the hospital’s network.
As arrendek says, the EOB isn’t gospel either. Insurance companies screw up on what’s covered just like everybody else. Don’t be shy about questioning any denial on the EOB. If you still think they’re wrong, they have (by law) an appeal process which you shouldn’t hesitate to use. If you STILL think they’re screwing you over, every state’s insurance department has a complaint process. You’d be surprised at the alacrity with which insurance companies respond to complaint queries from their state regulator.
This is just the highlights (or low lights). I’ve been working in the wide, wonderful world of health insurance from the medical provider, insurer and insurance regulator sides for decades. So if you have any questions, don’t hesitate to send me a message.