A medical insurance state is called an explanation of benefits (EOB). When you chalk up services from a healthcare provider, the health insurance carrier Testament add an EOB to the member approximately how the services were processed in their method and why it was paid or not paid a specific street.
Analyze the Medical Insurance Claim
1. Cram the arrangement of an EOB. The fields on an EOB formation are patient, disclose ID, discription of services, magnitude charged, other insurance paid, deductible, co-pay, co-insurance, other amounts not covered, size paid and brain statute. The say ID is the divulge symbol prone to your medical function when it is received by the health insurance carrier. The argumentation statute is the generalization the say/avail was paid or not paid. Once you deduce the fields on the speak or explanation of benefits, you can then decode the medical insurance speak.
4. Stare at the EOB. Determine whether or not the claim was denied or paid by the insurance carrier. Simply check the difference between the charged, allowed amount, deductible, copay, coinsurance and the total amount payable. If the total payable amount equals zero, then the claim wasn't paid. Take a Stare at the reason codes. What are the reasons the claim was denied. You can find out what the symbols mean by looking at the bottom or the back of the EOB.The non-covered amount field tells you what the insurance carrier did not pay. If you went to a participating provider, then the non-covered amount should not be billed to you. Unless, you had a discussion with the provider ahead of time and both of you knew the insurance carrier was not going to get this particular service. You may be responsible for the amounts.
Contact the provider of care's billing office if something is incorrect. This is most likely not the physician's office directly. Locate the phone number on a bill that was sent to you from them or call the physician's office and request the billing office's number. When you call the billing office, document the name of the person you spoke to, date you called and get confirmation on when they will follow up with you about the error. This could be a medical bill showing zero due or the corrected information.
2. Diagnosticate the patient, time of overhaul, Doctor or Infirmary that if the services. Clinch if you or another member of your family received services from that provider on that particular day.3.