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Your personal cost of health care: explanation of benefits

Insurance Companies’ Explanation of Benefits (EOB)

How many of you open your mail to see an EOB from your insurance carrier, while scratching your head trying to make sense out of the document you hold in your hand? Trust me, you are not alone.

Below is a sample EOB that explains to you what certain information means in this document (click on it for an enlarged image). Now remember, each insurance company may have a little different version then the one supplied to you in this article. Fear not, if the EOB you have received is different, simply contact your insurance Customer Service number. This number is usually on the back side of your insurance card.

Sample of Explanation of Benefits form


Your personal cost of health care

It is important that you understand your insurance health plan coverage for you and your family members.

If you are proactive and know up front what your insurance plan will pay or not pay, you will not be as surprised when the bill reaches your home based on what you have learned.

Each healthcare insurance company provides a handbook for you to reference in detail.  Also, don’t forget your insurance card provides an “at a glance” reference on co-pays and coverage.

It is important if you do not understand your healthcare benefits to contact the Customer Service Department for your health plan.  This should be listed in your handbook as well as on the back of your health insurance card.

So, what happens if a service is not covered what can you do?  Here is as link to reference that may help you.

So, now that you know what to look for and gain knowledge about where your health care plan is concerned, December’s article will talk about an explanation of Benefits (EOB) – and how to read an EOB so it makes sense to you.

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