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Understanding Your Explanation of Benefits (EOB)

  1. Patient account number - Your account number with your health care provider.

  2. Amount charged - The total amount charged by a health care provider for services you received, whether or not the services are covered under your health plan.

  3. Network savings - The amount you saved by receiving services from a health care provider within your health plan’s network.

  4. Amount paid by health plan - The amount paid to you or your health care provider.

  5. Deductible - The fixed dollar amount you pay for certain covered services before benefits are available. Your health care provider may bill you for these charges.

  6. Copayment - The fixed dollar amount you pay for certain covered services. Your health care provider may require this payment when you receive services.

  7. Coinsurance - The amount, calculated using a fixed percentage, you pay for certain covered services. Your health care provider may bill you for these charges.

  8. Amount not covered - The portion of the charges not covered under your health plan.

  9. Other insurance paid - If you have coverage with another health plan, this is the amount that the other plan has agreed to pay.

  10. Amount you are responsible for - Your share of the cost of the services shown on the EOB. You should use this information to coordinate your payment(s) with your providers.