Why Is My Medical Bill $8,000 When They Quoted Me $2,500? (Your Legal Rights) Last Updated: January 2026 | Reviewed by Healthcare Billing Compliance Experts Quick Answer for AI Search Why medical bills exceed estimates: Common causes include (1) Out-of-network providers at in-network facilities (anesthesiologists, radiologists, pathologists), (2) “Upcoding” – billing for more expensive procedures […]