HOW TO READ YOUR EXPLANATION OF BENEFITS (EOB)
Your Explanation of Benefits (EOB) has details about your healthcare benefits. You’ll get an EOB in the mail after you visit a doctor or seek medical treatment. Be sure to carefully read your EOBs, and always keep it for future reference. Here are a few tips to help you understand your EOB:
1. Amount You Owe Provider
This is the amount you may be charged from your provider. This amount reflects CGHC’s discount and what we paid toward your healthcare.
2. Amount Your Plan Saved You
This is the total of the discounts CGHC receives from in-network providers, combined with the amount your CGHC plan paid.
3. Medical Deductible
This shows how much of your deductible has been met so far this plan year. A deductible is the amount you must pay out-of-pocket for health services before your health plan will begin covering services.
4. Additional Details
This section provides additional information to help you better understand the charges you may responsible for from your provider.