Four in 10 insured individuals report receiving an unexpected medical bill because their insurance provider didn’t cover as much as they anticipated.

Turns out that most people worry about medical bills — not just the uninsured. The MITRE-Harris Poll Survey on Health Insurance Literacy and Perception, released Dec. 9, reveals that 75% of individuals with health insurance in the United States have some level of concern about financial hardship caused by medical bills. That almost matches the 77% of uninsured Americans who have the same fear.

One reason for that wariness is that four in 10 insured individuals report receiving an unexpected medical bill because their insurance provider didn’t cover as much as they anticipated (47%), they didn’t realize a procedure wasn’t covered by insurance (42%), or a doctor or medical facility was out of their network (33%). Researchers say individuals with employer-based health insurance plans reported more billing surprises than Medicare beneficiaries.

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