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 piece of paper or electronic document you get from an insurance or benefits company (Delta Dental of New Jersey 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
– 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 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 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 a Delta Dental of New Jersey subscriber, call 1 (800) 452-9310 or visit deltadentalnj.com.