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My Coverage Explained
You’ve been to the doctor and paid your copay. How are you going to know when your claim is filed and finalized? Simple, you’ll get your Explanation of Benefits (EOB). Your EOB will break down the service you received at the doctor’s office, the cost and what you might have to pay.
What is a health insurance Explanation of Benefits (EOB)?An Explanation of Benefits (EOB) Statement is a notification provided to members when a healthcare benefits claim is processed by Blue Cross and Blue Shield of Illinois (BCBSIL). The EOB outlines the expenses submitted by the provider and shows how the claim was processed. In most cases, an EOB will be mailed to you after a claim has been finalized. If you signed up for paperless statements, you will instead get an email notice when your EOB is ready for viewing through your Blue Access for MembersSM (BAM) account .When you receive your EOB, don’t just glance at it and toss it aside. It’s an important record of claims for medical services and benefit coverage, so you should always carefully check your EOB. Double check that the services you received match the services you’ve been billed for. If something doesn’t quite look right, call us at the number on the back of your Member ID card or ask your doctor about it. Keep your EOBs on file for future reference -- just in case questions come up later about a claim or your bill. If you’re registered for BAM, we store your EOBs there for 18 months.
The EOB has three main sections:
The EOB may include additional information:
Check out the sample EOB below. Keep in mind, every plan is different and the charges on your EOB are according to your plan’s coverage and the services you received.
Key areas of your EOB:
To learn more about your EOB, click on the Health Care School section of BAM or check out any of these great Help Desk videos!
If you’re not familiar with EOBs, you might still have questions. Ask us below in the comments!
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What do I do to get to the pages to where I can print out one or more EOB;s
Good morning! The subscriber on the policy can view EOBs under the "Claims Center" tab on Blue Access. You will need to select the claim number that you would like to view and then click on Explanation of Benefits in the upper right hand corner. This should display your EOB and allow you to print. - Renee
I have a bill that says I have no coverage but the doctor we went to is on the list what do I do
Hi Christopher, You can contact customer service to discuss your bill and see what's going on with your claim. Customer service can be reached by calling the number on your ID card. ~ Kayla
I can not find the "claims tab" on Blue Access. There is only a tab for Home, My Coverage, My Health, Doctors & Hospitals, and Forms & Documents. Where can I find the EOB?
Hello, I have responded to you on your private message. ~ Heather
I originally signed up for paperless in 2003. I was somehow switched to paper around 2015. My doctor is claiming non-payment for 3//9/17 and 3/29/17 @ $21.11 each. Afzal Choudhry M.D., 26218 U.S. Hwy 27,
Leesburg, FL 34748-1708. Also, how can I go back to paperless? (2nd request)
Hello, If you could send us a private message, I can have someone help you with both these issues. ~ Heather
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