Get payment summaries

When managing medical expenses, understanding the various types of payment summaries available is essential, especially for Flexible Spending Account (FSA) reimbursements or tax documentation. Key components included in these summaries are detailed listings of all charges, payments made by you or your insurance, and any outstanding balances. These documents provide clear records for specific dates of service, offering transparency and helping you track healthcare spending. To make the most of your healthcare payments, request itemized estimates before procedures, review each bill for accuracy, and utilize online account tools or secure messaging options to access your statements conveniently.

Types of Payment Summaries

• Detail Bill: Shows all charges and payments for specific dates of service, including amounts billed to you or your insurer and payments already made.
• Guarantor Statement: Lists all charges and payments applied at the time the statement was printed; sent monthly if there is a balance due.
• Payment Summary: Includes a list of all recent payments, with posting dates and payment methods, but does not include individual charges.
• Other Summaries: Customized summaries may be available on request for tax, FSA, or other personal needs.

Insurance & Payment Advice

• Always review your summaries for accuracy and report discrepancies to your provider’s billing department.
• Use these summaries to submit claims for FSA reimbursement or to support itemized deductions on your tax return.
• If using insurance, compare the explanations of benefits (EOB) from your insurer with your provider’s statement to ensure consistency.
• Request itemized bills before making payments to understand exactly what services you are being charged for.
• Contact your provider for help accessing electronic or mailed copies of your summaries as needed.

Frequently Asked Questions

• What is a payment summary? A payment summary is a document listing all recent payments made toward your healthcare bills, including the dates and payment methods used.
• How can I obtain a detail bill for my records? You can request a detail bill via secure message, mail, phone, or through your provider’s online portal or app.
• What is the difference between a guarantor statement and a detail bill? A guarantor statement shows all charges and payments as of the statement date, while a detail bill itemizes charges and payments by specific dates of service.
• Why do I need an itemized estimate before a procedure? An itemized estimate helps you understand in advance what each component of your care will cost, reducing the chance of unexpected charges.
• Can I use these summaries for FSA reimbursement? Yes, payment summaries and detail bills are typically accepted as supporting documentation for FSA claims.
• How often are guarantor statements sent? Guarantor statements are sent each month there is an outstanding balance on your account.
• What should I do if I find an error on my bill? Contact your provider’s billing department promptly to dispute the charge and request a corrected statement.
• Do payment summaries include all services provided? Payment summaries focus on payments made, not a breakdown of each service; for a full itemization, request a detail bill.
• Can I access my payment summaries electronically? Yes, most providers offer secure online portals or apps where you can view and download your payment summaries.
• Will insurance payments be reflected on my statement? Yes, both insurance and patient payments are shown on your statements, indicating what has been paid and what you may still owe.

Need a payment summary for your Flexible Spending Account (FSA)? Looking for a copy of your health care bill for tax purposes? We can help. Choose the type of payment summary you need and access your summary via secure message, mail, phone, or our LiveWell app or website.

Four types of payment summaries

We offer four different types of payment summaries that can be used for taxes, FSAs or any other reason.

1. Detail bill: This type of summary shows you all charges and payments (including insurance and patient payments) for specific dates of service. A charge is the amount billed directly to you or your insurance company.A payment is the amount you or your insurance company has already paid toward your bill.
2. Guarantor statement: This is a bill that shows all charges – and payments applied to those charges – at the time the statement was printed. A guarantor is the person or group responsible for payment to Aurora. The Guarantor Statement is automatically sent to the guarantor each month there’s a balance due on the guarantor account.
3. Payment summary: This is a list of all recent payments made. It includes the date each payment was posted and the payment method used. It does not list the date of service.
4. Guarantor payment letter: This is a list, in letter format, of all of the payments posted to a guarantor account within a calendar year. It includes the date we processed your payment and the date the payment was applied to the account. It does not include the date of service.

Unsure about certain billing terms? See our easy-to-understand glossary of medical billing terminology.

How to access your summaries

There are four different ways to access the four different types of payment summaries.

Type of summary	LiveWell app or website	Email	Mail	Phone
Detail bill		x	x	x
Guarantor statement	x			x
Payment summary	x
Guarantor payment letter		x	x	x

1. Sign in to our LiveWell app or websiteFrom your account, you can:
   • Print a payment summary of any payments that have posted to your account
   • Reprint any guarantor statement that you’ve received within the last 15 months
   To access and print a payment summary or guarantor statement:
   1. Sign in to your LiveWell account.
   2. Select Billing > View & Pay Your Bill.
   3. Select View Account
   4. Select Payments
   5. Select Last Year
2. Send us a messageIf you need a guarantor payment letter or detail bill, you can send us a request via secure message.Be sure to include:
   • All patient names
   • All patient dates of birth
   • Which document(s) you need
   Send us a message
3. Mail your requestMail your request for a guarantor payment letter or detail bill to:Aurora Health Care
   Patient Contact Center
   P. O. Box 343918
   Milwaukee, WI 53134-3918If you need a guarantor payment letter or detail bill for Aurora Health at Home services, mail your request to:Aurora Health at Home
   P.O. Box 270068
   West Allis, WI 53227-7202In your request, be sure to include all patient names, dates of birth and which documents you need.
4. Give us a callThe first quarter of the year – tax time – can be a busy time to call the Patient Contact Center. If you need to request a summary during this time, it’s best to do so using mail, secure message or your LiveWell account.If you’re unable to use any of these options, you can request a guarantor payment letter, detail bill or guarantor statement via phone.Call 800-326-2250 for English or 866-629-6033 for Spanish to speak with a representative. For Aurora Health at Home, call 877-576-3545.

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Send us your Aurora billing question via secure message, and we’ll respond within three business days.

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