My Benefits Primer

It's Payment Time: Steps to Save Time and Costs

Statements

Receiving statements

Under most health insurance plans, an Explanation of Benefits (EOB)Explanation of Benefits (EOB)
Under some health insurance plans, an Explanation of Benefits form is provided directly to the enrol... more
form is provided directly to you to explain how a health benefits claimclaim
Information submitted to a health plan to request payment for medical services provided to a person ... more
was paid. This form shows you the amount of the claimclaim
Information submitted to a health plan to request payment for medical services provided to a person ... more
, the amount paid by your plan, and the amount you are responsible for paying. In addi-tion to claims payment information, the EOB often includes information on the appeals pro-cess. EOBs are often mailed and also may be available online.

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Payment Options

Paying for services

Here are some questions to keep in mind before a doctor's visit:

  • What are the typical costs for office visits?
  • Do you pay during each visit?
  • What are the processes for handling billing, insurance claims and co-payments?
  • Does your doctor take cash or credit cards, or should you remember to bring your checkbook?

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Extra Benefits

Bonus!

Check your plan and ask your employer about unexpected extras, such as discounts on gym memberships and massage therapy.

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