Each time LifeWise processes a claim submitted by you or your healthcare provider, we explain how we processed it in the form of an Explanation of Benefits (EOB).
The EOB is not a bill. It simply explains how your benefits were applied to that particular claim. It includes the date you received the service, the amount billed, the amount covered, the amount we paid and any balance you're responsible for paying the provider. It also tells you how much has been credited toward any required deductible. (We recommend you keep all EOBs for at least two years.)
Each time you receive an EOB, review it closely and compare it to the receipt or statement from the provider. To help in this task, we've explained the EOB form, item by item.
There's a lot of information packed into the EOB. We re-organized it all so you can quickly find what matters most to you. The new EOB contains 3 items:
• A Claim Summary page that explains costs and claim detail using simple math. Now you'll clearly know how much you owe a provider, how much you've paid on your deductible, and how much you saved as our member.
• An easy-to-use glossary page to help you understand health coverage terms.
• An updated EOB Claim Detail page (shown below). This should be used to confirm bills from your provider. It uses medical descriptions that make sense, so you don't have to pull out a dictionary to figure them out.
We've explained the EOB item by item below to help you confirm bills from your provider see how much of your own money you spent, and decide where you may be able to save money in the future.
Use these numbers if you have questions about an EOB.
Please note: Some groups may have a different contact phone number. Please confirm your contact number on the back of your ID card before calling.
For more detailed information about your benefits, refer to your plan benefits booklet or contact us.