If a health insurance company sends the patient a check for services that a provider submitted can the patient cash the check?

The best way to handle this is to take the check to your doctors office along with the explanation of benefits and endorse the check to your doctor. This is money that is rightfully owed to the physician for services received. If you cash the check and keep the money and do not pay your bill, you might end up going to collections or being taken to court.