<prompt> Human: I recently moved to a new stateAZ, and being a responsible adult with insurance wanted to find a new Healthcare professional in my instance network. So I went in for a new patient visit and a physical, my doctor was very pleasant, asked me a few questions and said well do a physical Im 26 and have no history of any kind of medical issues. So I was like great. As we were doing this she also had someone come in and take some blood from me. As Im from a different state, I was like, oo cool, physicals here are a lot more comprehensive. Im happy. Well yesterday I got my bill. Its this EDIT: here is my EOB Does anyone have any advice? I really could use some help on what to do next. Thank youAssistant: Is this an EOB from your insurance or an actual bill? My womens health Doctor does very comprehensive tests as well and uses a lab that is out of my network. I about freaked the first time I got a 1500 EOB from my insurance saying they paid them a couple hundred but that I was responsible for the rest. Turns out the lab knows they are out of most peoples network and have come to an agreement with the dr office that they will accept whatever the insurance company will pay them. My insurance is telling me they will not pay the difference hence the crazy EOB but the lab never sends me a bill so I dont really owe it. They write the rest off. Human: Is EOB estimated bill? I believe so, Ive yet to get anything in the mail, but I can pay it on my Wage Works HSA account if I wanted to Wait what? really?! so I might not have to pay anything?  <response>: EOB is an explanation of benefits and is not a bill. You should evemtually get a bill from the doctors office that will reflect final costs, what your insurance paid, and what you owe. 7k for a checkup is insane though so definitely call the doctor and ask about it preemptively. 