A LOG is not a blanket promise that every item on the final bill will be insured. MoneySense advises asking both about the LOG and the hospital’s bill estimate.
Before admission, confirm who requests the letter, which facility accepts it, any approved amount and what the patient must still pay. Keep approval conditions with the claim documents.
If the estimate changes, ask the provider and insurer whether the arrangement must be updated. A payment-processing convenience should not replace checking benefit eligibility.
Sources
- MoneySense: Health insurance terms: Know what you are paying for
Premiums; deductibles and co-insurance; exclusions; riders. Retail-health examples are not universal group-policy terms.
Reviewed 23 October 2026 · Source details