The hospital bill should be an exact picture of the services you received during your stay, including medications, use of surgery facilities, your room and lab tests, wrote UTMB Dr. Michael Warren in his It’s Your Health column. If you don’t have medical insurance, you have to pay the bill personally or work out a plan with the hospital. For those with insurance, your bill takes on a whole new meaning - someone else is paying. But since you are ultimately responsible for the bill should the insurer reject or question payment, and since mistakes can be made, you should review the bill. And remember, even if the insurance company pays the bill, you have provided the money through months or years of paying insurance premiums.