You’ve got mail!
What could it be? It came from an insurance company, so it must be important, right? Thankfully it’s not a bill.
An Explanation of Benefits (EOB) is a piece of paper or electronic document you get from an insurance company (HDS or another provider), explaining your recent claim. And, like we said, it’s not a bill.
It’s an explanation of what was covered on your recent claim.
So, what should you do when you get an EOB? First, review it carefully to make sure it has your correct name and plan information.
An EOB will tell you:
• Treatment performed (description of procedures)
• Dentist or doctor fees
• Insurance company payment
• Coordination of Benefits (COB) information, if applicable
• Portion of annual maximum used and the amount paid toward deductible in the current benefit year.
After you receive your EOB, you’ll know what (if anything) you owe your dentist. But don’t worry — that bill will come directly from your dentist.
If you have questions about your EOB, or believe that your claim wasn’t resolved properly, contact your plan provider. If you’re an HDS subscriber, call 529-9248 or visit HawaiiDentalService.com