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  - Understanding Your EOB

Understanding Your Arkansas Blue Cross and Blue Shield EOB

An explanation of benefits (EOB) is a notification form Arkansas Blue Cross and Blue Shield sends you after processing a claim. This form explains the total amount billed, the amount paid, and who was paid. It's a good idea to keep a copy of any bill you receive from a provider of medical services to compare to your EOB.

Sample EOB


click to enlarge sample

EOB Description

The following is a description of the items listed on the EOB. The field numbers referenced within the sample EOB correspond with the field names and descriptions provided below.

FIELD NUMBER FIELD NAME FIELD DESCRIPTION
1 Patient The name of the person who received the service. This could be you, your spouse, or a dependent child who has coverage under your health plan.
2 Member The name of the contract holder who meets all applicable eligibility requirements.
3 ID Number The member number of the person receiving the service.
4 Group Employer name
5 Claim Number The number assigned to this claim for tracking purposes
6 Date Date processed.
7 Patient's Account Number The number assigned to patient's account.
8 Type of Service This is a description of the service or supply provided.
9 Date of Service The date or dates the service was performed.
10 Reported Charges Charges reported by the provider.
11 Allowed Charges The customary amount for a service from which your coinsurance, if applicable, will be determined.
12 Non-Covered Charges The amount, if any, for non-covered services or the amount that is above the allowed charge.
13 Remarks A explanation of the payment determination for a particular service.
14 Provider of Services Name of physician, hospital or health-care facility that performed the services.
15 Non-Covered Charges Charges that are written off by the provider.
16 Less Patient's Share Services that patients are responsible for — includes certain non-covered charges, deductibles and encounter fees, and coinsurance.
17 Deductible Explanation In-network deductible and in-network calendar-year coinsurance maximum status.
18 Remarks This is an explanation of non-covered amounts.
19 Disclaimer How to appeal a claim.

 

Understanding Your Federal Employee Program EOB

An explanation of benefits (EOB) is a notification form the Federal Employee Program (FEP) sends you after processing a claim. This form explains the total amount billed, the amount paid, and who was paid. It's a good idea to keep a copy of any bill you receive from a provider of medical services to compare to your EOB.

Sample EOB


click to enlarge sample

EOB Description

The following is a description of the items listed on the EOB. The field numbers referenced within the sample EOB correspond with the field names and descriptions provided below.

FIELD NUMBER FIELD NAME FIELD DESCRIPTION
1 Policyholder The name of the contract holder who meets all eligibility requirements.
2 Patient The name of the person who received the service. This could be you, your spouse, or a dependent child who has coverage under your health plan.
3 Dates of Service The date or dates the patient received services.
4 You owe the provider This is the amount you must pay to the provider for medical services.
5 ID Number The member number of the person receiving the service.
6 Claim Number The number assigned to this claim for tracking purposes
7 Claim Paid The date the claim was paid by your insurance plan.
8 Claim Received The date the claim was received by your insurance plan.
9 Claim Processed The date the claim was processed.
10 Patient Account The account number of the patient.
11 Provider The hospital, health care facility, physician or other health care professional who provided services to you.
12 Provider Type Each local Blue Cross and Blue Shield plan can contract with providers in its service area. There are two type of professional contracting providers: Preferred and Participating; and two types of contracting facilities: Preferred and Member. If providers do not contract with the Plan, they are considered to be non-participating or non-member providers.
13 Type of Service This is a general description of the service or supply provided.
14 Submitted Charges This is the amount the provider has billed.
15 Plan Allowance The amount used to determine our payment and your coinsurance for covered services or the amount we used to calculate our payment for covered services.
16 Remark Codes An explanation of the payment determination for a particular service.
17 Deductible The fixed amount of covered expenses you must incur each calendar year for certain covered services and supplies before benefits are paid by your insurance plan.
18 Coinsurance or Copayment Coinsurance — The percentage of the Plan Allowance that you must pay for your care. Copayment — the fixed amount of money you pay to the physician, facility, pharmacy, etc., when you receive certain services.
19 Medicare/Other Insurance The amount paid by another health insurance carrier when your or covered family members have coverage with Medicare or another health benefit plan.
20 What We Paid The amount paid by your health insurance plan.
21 You Owe The Provider The amount you must pay to the provider after you have paid the copayment and insurance has paid the provider.
22 Explanation of Remark Codes This is an explanation of activity that occurred on this claim/service and describes how the claim was processed.
23 Summary of Out-of-Pocket Expenses for 2004 This is a complete summary showing your out-of-pocket expenses for health-care services in 2004.
24 Your Out-of-Pocket Expenses on This Claim This is the amount of your out-of-pocket expenses for the health-care services on this particular claim.


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