Medical bills and insurance are confusing — and that’s not your fault.
Insurance companies decide what gets covered, delayed, or denied — not your doctor.
These short videos explain the most common questions patients have about medical bills, insurance coverage, prior authorizations, lab charges, and payment plans, in plain language.
Our goal is to help you understand what you’re seeing before frustration sets in.
Before Your Visit
1. What Is a Prior Authorization?
Learn why your insurance may require approval before certain tests, medications, or procedures.
2. Prior Authorization Fees Explained
Understand why administrative fees may apply when your insurance requires extra documentation.
After Your Visit
3. What Is an Explanation of Benefits (EOB)?
An EOB is not a bill. Learn what it is, why you receive it, and how to read it correctly.
4. Why Are My Labs Not Covered by Insurance?
Learn why lab work is sometimes billed separately and why insurance may deny or partially cover it.
Understanding Your Bill & Payments
5. What Are Copays, Deductibles, and Coinsurance?
A clear breakdown of the most common insurance terms — and how they affect what you owe.
6. Payment Plans Explained
Learn what payment options are available if you have a balance and how to avoid unnecessary collections issues.
Important Note: Insurance coverage decisions are made by your insurance company, not by Maryland Primary Care & Wellness.
If you still have questions after watching these videos, our billing team is happy to help guide you to the right next step.