What it means
Patient responsibility is your portion of the bill after insurance processing — typically including deductible, co-insurance, and co-pay.
What it includes
- Deductible — what you pay before insurance starts covering costs
- Co-insurance — your share after deductible is met (e.g. 20%)
- Co-pay — a fixed amount for specific services
- Non-covered services — charges your plan doesn't cover
How to verify
Your EOB is the authoritative document. Compare what the hospital bill shows against your EOB. If they differ, the billing department needs to reconcile before you pay.
EOB first, bill secondDo not pay a hospital bill until you have received and reviewed your EOB.
Patient responsibility that doesn't match your EOB?
Upload both for a free overview.
Check my bill free →General information only. Not legal or medical advice.