Understanding Your Explanation of Benefits (EOB)

by Jason 4/27/2015 10:06 AM

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, but it still looks important.

An Explanation of Benefits (EOB) is a paper or electronic document you get from an insurance company (Delta Dental of Missouri, Delta Dental of South Carolina or another dental insurance provider), explaining your recent dental 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 receive 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
• Amount you might owe (such as deductibles, coinsurance and non-covered services)
• Coordination of Benefits (COB) information, if applicable
• Portion of annual maximum used and the amount paid toward your deductible in the current benefit year.

If you paid your dentist directly, the EOB might come with a check. After you get your EOB, you’ll know if you owe anything to your dentist. If so, that bill will come directly from your dentist.

If you have questions about your EOB or about your claim, contact your plan provider. If you have Delta Dental of Missouri coverage, call 800-392-1167, and a customer care representative will be happy to help you. If you have Delta Dental of South Carolina coverage, call 800-335-8256 to reach our customer care team for assistance.

Delta Dental of Missouri does business in South Carolina as Delta Dental of South Carolina.

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