Identify who sent it
For Original Medicare, a Medicare Summary Notice shows services billed, what Medicare paid, and the maximum you may owe. Health and drug plans send their own explanations. Look at the sender, title, service dates, and whether payment is requested.
Compare the details
Match the provider, date, and amount against your records. Check whether other insurance has processed its share. Ask the billing office for an itemized explanation of anything unclear. A mistake may need a corrected claim.
Understand a denial
Read the reason and ask the provider or plan what supports it. If you disagree with a coverage or payment decision, appeal rights may apply. Follow the notice’s instructions and deadline; processes differ by coverage.
Keep a short call log
Record the date, department, reference number, and next step. Keep copies of submissions. If services are ending and a notice explains a fast appeal, act promptly using its instructions.
Your checklist
Your next step checklist
Use this here, or print it for your next conversation. Your checks stay on this page only.
Go straight to the source
Sources checked September 28, 2026. General education, not a coverage determination or medical advice. Plan terms, eligibility, and state rules can vary. How we approach education
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