Medicare Supplements and EOBs
If you receive a healthcare service, your provider will have to file a claim with your insurance carrier. For individuals on a Medicare supplement, your provider will file the claim with Medicare, who will then approve or deny the charges. If Medicare approves this claim, the remaining balance will be forwarded to your insurance carrier (BCBS, UHC, MOO) who will then pay the remaining charges on the Medicare approved services.
Medicare Advantage and EOBs
For individuals on Medicare Advantage plans, your provider will bill your insurance carrier directly, who will then accept or deny the claim according to the level of coverage that you have chosen.
In either case, you will receive EOBs from your insurance carrier outlining what Medicare and your insurance carrier will cover and what your provider may bill you. In some instances, the EOB may show an amount that you will be charged or may state that Medicare denied a claim or charge. Below are a few reasons to keep in mind when reviewing your EOB:
- Remember your EOB is not a bill
- In many cases, Medicare and your carrier have not fully processed your claim. It may take several months before the claim is fully processed
- Our best advice is to contact us when you receive an actual bill from your healthcare provider. (If a bill is issued, we will be better able to determine why a claim was denied)
While it is important to keep track of the services listed on your EOB. We ask that you be patient with the process, as most possible charges will be resolved before you receive an actual bill. Remember, we are always happy to help you with the process.
