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Understanding Your Personal Health Statement (PHS)

Your Personal Health Statement (PHS) is designed to help you better understand your recent medical and prescription claims including:

  • Total amounts charged
  • Your discounts just for being a member
  • What your health plan paid on your claims
  • And what you owe, or may have paid, to your medical provider

Arkansas Blue Cross and Blue Shield is providing you with this information so you can be a more informed member when it comes to paying for health care costs.

For more information, select a number below

1 2 3 4 5 6 7
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Select a number on the PHS to learn more.

1

The medical or prescription amount charged.

2

Your member discount.

3

The amount your doctor or hospital charged (minus the discount).

4

The amount paid by your health plan.

5

The amount you may have already paid or might owe – this is not a bill amount.

6

This is typically general health-and-wellness information to help you make healthy and informed decisions.

7

This section helps you better understand exactly where you are with your out-of-pocket costs: deductibles, copayments and coinsurance.

It also shows you your copayment amounts for medical services and prescription drugs.