The MedClear Blog

Plain-English guides to medical bills, insurance terms, and billing codes — so you never pay a charge you don't understand.

September 14, 2026

What Is CPT Code 99213? What That Charge on Your Medical Bill Means

CPT 99213 is the code for an established-patient office visit. See what it means, what it should cost, and the red flags that suggest you were overcharged.

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September 21, 2026

How to Read a Medical Bill, Line by Line

A plain-English walkthrough of every part of a medical bill — total charges, adjustments, insurance payments, and patient responsibility — so you know exactly what you owe.

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September 28, 2026

EOB vs. Medical Bill: Why You Get Two Documents and How to Compare Them

Your Explanation of Benefits and your medical bill often don't match. Learn what each document is, why the numbers differ, and how to catch billing errors before you pay.

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October 5, 2026

What Is CPT Code 99204? Why New-Patient Visits Cost More

CPT 99204 is the code for a new-patient office visit. Learn what it covers, what it should cost, and how to tell if you were overcharged.

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October 12, 2026

What Is Balance Billing? When You Can (and Can't) Be Charged the Difference

Balance billing is when a provider bills you for charges your insurance didn't cover. Learn when it's legal, when the No Surprises Act protects you, and what to do.

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October 18, 2026

Copay vs. Coinsurance vs. Deductible: What Each Actually Costs You

Copays, coinsurance, and deductibles decide what you pay for care. Learn how they stack together — with a worked example — and how to estimate your cost before a visit.

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