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Member rights

Information on Explanations of Benefits (Our Personal Health Statements)

The Personal Health Statement (PHS) is designed to make claims processing easier to understand. With the PHS, industry terms are written into everyday language, claims are clearly explained, and members know exactly where they are with their out-of-pocket costs (deductibles, copays, coinsurance and more). The PHS features a better description of the discounts members receive on their healthcare services, information on how to get in touch with us, a quick understanding of how much members owe and to whom and helps in understanding the benefits members have and how they work.

The PHS is issued twice a month for any physician, hospital or pharmacy claim submitted. If a member only has pharmacy claims during a month, the PHS will be issued quarterly.

Learn more about your PHS
Understanding your dental EOB [PDF]