Get News & Updates Directly To Your Inbox
Download the BCBSOK App. Your coverage information in the palm of your hand.
Find A Doctor Or Hospital In Your Network.
An EOB is a notice you get when a health care benefits claim is processed by your health plan. The EOB shows the expenses submitted by the provider and how the claim was processed.
If you get paper EOBs, an EOB will be mailed to you after a claim has been finalized. If you are signed up for paperless statements, you'll get an email when your EOB is ready to view in your Blue Access for MembersSM (BAMSM) account.
Below is a sample EOB that explains all of the sections. Keep in mind that every plan is different. The charges on your EOB are according to your plan's coverage and the services you received.
A. Your member ID and group numbersB. How to access your claims onlineC. Helpful contacts and glossary
Top:D. Patient informationE. Provider informationF. Policy information
Details:G. Amount billed by the providerH. Discounts and reductions in compliance with your planI. Amount covered is the amount billed (G) minus the discounts and reductions (H)J. Health plan responsibility is the portion your health plan pays to the providerK. Deductible amountL. Copay amountM. Coinsurance amountN. Amount not coveredO. The amount you’re responsible for. This column provides details about the amount you may owe shown in the claim summary (O2)O2. Claim summaryJ2. Total covered benefits approved is the amount that was paid to the providerP. Numbered notes provide additional detailsQ. Health care plan maximums
Your EOB is an important record of claims for services paid from your benefits. You need to carefully check your EOB. You want to be sure that the services you received match the services you were billed for. If something looks wrong, call us at the number on your member ID card. Or call your provider's office to ask about it.
Keep your EOBs in case questions come up later about your claim or your bill. If you’ve registered for BAM, we store your EOBs there for 18 months.
If you have questions about this explanation of your Explanation of Benefits, sign in and let us know in the comments below.
You can get more information in your BAM account. And checkout these Health Care Coverage 1-on-1 videos to learn more about EOBs and other coverage information and insurance terms.
Originally published 8/18/2015; Revised 2019, 2021, 2022
Hi Sounds like you have a plan that does not meet your needs. At your next open enrollment, we encourage you gather the information you'll need to make the best decision for your needs. This article about open enrollment preparation is a great place to start. ~ BridgettW
Might as well not even have insurance with having to pay premiums on top of having to pay co-pays and co-insurance plus whatever else BCBS refuses to pay, in looking at that EOB it is sad that an EOB needs a seperate explanation....predatory insurance is just as bad as predatory lending...this company is famous for it. As well as not giving people the opportunity to understand their choices (or lack of) before forcing them to make a decision with no chance of research or comparison.
Hi! If you've not done so already, check out this article on our app/website Blue Access for Members (BAM). You can also send us a private msg or call the number on the back of your member id card & someone will be able to assist. - HeatherR
Blue Cross and Blue Shield of Oklahoma, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association
© Copyright 2023 Health Care Service Corporation. All Rights Reserved.
Telligent is an operating division of Verint Americas, Inc., an independent company that provides and hosts an online community platform for blogging and access to social media for Blue Cross and Blue Shield of Oklahoma.
File is in portable document format (PDF). To view this file, you may need to install a PDF reader program. Most PDF readers are a free download. One option is Adobe® Reader® which has a built-in screen reader. Other Adobe accessibility tools and information can be downloaded at https://access.adobe.com.
Powered by Telligent