Insurance coverage can be confusing. Understanding your Explanation of Benefits (EOB) will help.
You will receive an EOB from Delta Dental of Idaho after you visit the dentist. It’s not a bill; rather, it’s an explanation of what procedures you had and what was covered by your dental benefit plan. A typical EOB contains the following elements:
- The dentist’s fee and the portion that Delta Dental paid.
- What you may owe (deductible, coinsurance or non-covered services).
- An update on how much you’ve used of your annual maximum.
You’ll also see the mailing address and phone number for your Delta Dental claims department for correspondence along with the following:
- The date Delta Dental processed the claim, along with the dentist/facility that provided the dental services, network and provider identification number.
- Name of the subscriber, the patient who received dental care, the relationship of patient to subscriber and subscriber’s group number.
- The claim number — assigned to claim when it was received.
- Additional information on how a claim is processed.
I hope this quick review will help you understand that EOB and how to use it.