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STATEMENTS
Receiving statements
Under most health insurance plans, an Explanation of Benefits (EOB) form is provided directly to you to explain how a health benefits claim was paid. This form shows you the amount of the claim, the amount paid by your plan, and the amount you are responsible for paying. In addition to claims payment information, the EOB often includes information on the appeals process. EOBs are often mailed and also may be available online.
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?
EXTRA BENEFITS
Bonus!
Check your plan and ask your employer about unexpected extras, such as discounts on gym memberships and massage therapy.