You should get an EOB regardless of the portion of the bill that the insurer paid.
Depending on the circumstances, the insurer might not be paying any of the bill.
That would leave you with either a portion of the charges or no out-of-pocket costs at all.
Hoxton / Sam Edwards / Getty Images
This may be you or one of your dependents.
Insured ID Number:The identification number assigned to you by your insurance company.
This should match the number on your insurance card.
Provider:The name of the provider who performed the services for you or your dependent.
This may be the name of a doctor, a laboratory, a hospital, or other healthcare providers.
Date of Service:The beginning and end dates of the health-related service you received from the provider.
If the claim is for a healthcare provider visit, the beginning and end dates will be the same.
Total Patient Cost:The amount of money you owe as your share of the bill.
Your EOB will generally also indicate how much of your annual deductible andout-of-pocket maximumhave been met.
He gets $15 from Frank and $50 from Medicare.
Why Is Your Explanation of Benefits Important?
Healthcare providers offices, hospitals, and medical billing companies sometimes makebilling errors.
Such mistakes can have annoying as well as potentially serious, long-term financial consequences.
Your EOB should have a customer service phone number.
Your EOB is a window into your medical billing history.
But it’s important to at least scan each EOB to confirm that the details make sense.
Once you’ve met your deductible, your health plan will start paying for more of your care.
)So it’s important to ensure that these amounts are accurately reflected on each EOB.
Medicare.gov.Medicare Summary Notice (MSN).
Centers for Medicare and Medicaid Services.Reading Your Explanation of Benefits.
Centers for Medicare & Medicaid Services.Medicare & Your Hospital Benefits.
Health Partners.Does Medicare have an out-of-pocket maximum?
Guttmacher Institute.Protecting Confidentiality for Individuals Insured as Dependents.
Kaiser Family Foundation.2022 Employer Health Benefits Survey.
