Ask for an itemized bill before paying a medical bill
Added
Before you pay, confirm the bill is yours and not already paid, then ask the provider's billing office for an itemized list of charges. Compare it with your insurer's explanation of benefits and look for duplicate charges, services you didn't get, or care wrongly marked out-of-network. If you disagree, you can appeal with your insurer or dispute the bill.
The result
Result: CFPB: if you still owe, you can ask to negotiate the amount or set up an interest-free payment plan, and ask about financial assistance ("charity care"); the No Surprises Act, in effect since Jan 1, 2022, protects insured patients from many surprise out-of-network bills.
Note: Not financial advice. General information only; check your own situation or ask a qualified professional.
Source
CFPB: What should I do if I can't pay a medical bill? (opens the original source in a new tab). Check it for the latest numbers before you act.