Friday, December 2, 2022

How Do I Get A Medicare Explanation Of Benefits

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What Is The Difference Between Medicaid And Medicare

Understanding Medicare Part A

Medicare and Medicaid are different programs. Medicaid is not part of Medicare.

Heres how Medicaid works for people who are age 65 and older:

Its a federal and state program that helps pay for health care for people with limited income and assets. A basic difference is that Medicaid covers some benefits or services that Medicare doesnt like nursing home care or transportation to medical appointments .

Visit your states Medicaid/Medical Assistance website or for more information. Learn more in the article, Can I get help paying my Medicare costs?

Is The Explanation Of Benefits The Same As The Medicare Summary Notice

No, the Explanation of Benefits is not the same thing as the Medicare Summary Notice .

Private insurance companies send the EOB to their plan members. You only receive the MSN if you have Original Medicare. Similar to the Explanation of Benefits, the MSN details all of the covered services you received under Medicare Part A and Medicare Part B over the past 3 months. It also explains what Medicare paid and the amount you may owe your provider.

You don’t have to wait for the MSN, by the way. You can access it at any time through your account, although you usually have to wait 24 hours for Medicare to process the claim. Once you enter your account, just press the Blue Button to see your Original Medicare claim information.

Do All Medicare Beneficiaries Receive An Explanation Of Benefits

You only receive an Explanation of Benefits if you have either a Medicare Advantage Prescription Drug plan or Medicare Part D prescription drug plan.

The Explanation of Benefits does not apply to Original Medicare. Instead, if you have Medicare Part A and Part B, you’ll receive a Medicare Summary Notice once every 3 months .

Read Also: Do I Need Medicare If I Have Medicaid

Paid By Insurance & Amount You Must Pay

Paid by Insurance: Paid by insurance is the amount of the total charges that insurance is paying towards the claim.

Patient responsibility: You may be responsible to pay an amount of the charges/service. This amount is based on your insurance benefits and what the facility and provider charge. The actual billing statement and amount you owe will be sent from the health care facility that provided the service.

If You Have A Medigap Policy Or Retiree Plan

What are the parts of Medicare? The ABCD

Your Medigap company or retiree plan receives claims for your services 1 of 3 ways:

  • Directly from Medicare through electronic claims processing. This is done online.
  • Directly from your provider, if he/she accepts Medicare assignment. This is done online, by fax or through the mail.
  • From you. If neither Medicare nor the provider submits the claim, you will need to file the claim yourself. Follow these steps:
  • Fill out the claim form provided by your insurance company .
  • Attach copies of the bills you are submitting for payment .
  • Attach copies of the MSN related to those bills.
  • Make copies of everything for your personal records.
  • Mail your claim packet to the Medigap company or retiree plan.
  • Note: You may need to pay a provider bill before you get your quarterly MSN. In this case, check your MSN when you receive it to see if you overpaid. If so, call your provider to request a refund. If you have any questions about the bill, call your provider. You can also contact your local Health Insurance Counseling & Advocacy Program office online or at 1-800-434-0222.

    You will also receive an Explanation of Benefits from your Medigap company or retiree plan. The EOB will show you how much was paid. If you dont receive an EOB within 30 days of the service date, call your plan to ask about the status of your claim.

    Follow these pointers when you call to discuss your claims.

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    Does Medicare Have Paperless Billing

    Medicare has been working on expanding its paperless billing choices, and you may now choose to get your Medicare Summary Notices and the Medicare You guide through email instead of regular mail. If you pay your own Part B premiums because you arent yet eligible for Social Security, you can set up automatic payments via your bank.

    How To Read Medicare Eobs And Msns

    • Learn how to read your Medicare explanation of benefits )EOB) and Medicare summary notice so you can better understand your insurance benefits and how much you might owe for services. Learn more about these important Medicare documents.

    EOB stands for explanation of benefits. MSN stands for Medicare summary notice. Both of these documents help you understand how your Medicare benefits are being used and how much you may owe out-of-pocket.

    Find out how to read Medicare EOBs and MSNs below to better understand your Medicare benefits and manage your health care costs.

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    How Long Should I Keep Explanations Of Benefits From Medicare And Health Insurance Companies

    As an organizer of medical and financial records for seniors and others affected by age, illness and disability, I get this question a lot. A person with multiple medical conditions can quickly acquire cartons of paperwork from Medicare, doctors offices, and health insurance companies.

    Its helpful to start with what medical EOBs prove:

    • The services the doctor, hospital, or other healthcare entity has provided.
    • The amount the doctor, hospital, or other healthcare provider has billed for those services.
    • The amount the medical insurance company and/or Medicare have paid.
    • The amount for which you, the patient or insurance subscriber, are responsible.

    So, medical EOBs can be useful for:

    • Creating a health history for yourself or someone under your care.
    • Documenting billing errors or even fraud.
    • Ensuring that you are receiving the full insurance benefits to which you are entitled.
    • Proving that youve met your annual deductible, if your health insurance policy has one.
    • Demonstrating what you have paid if you take the medical expense deduction on your annual IRS 1040 Schedule A.

    Obviously, keeping medical EOBs is worthwhile for some period of time. What to do with it all and how long to keep these records will vary with your personal situation. Here are two sets of guidelines for medical EOB retention periods and good practices one for people in normal health and one for people with chronic, debilitating or terminal health conditions:

    Normal Health

    Serious Health Condition

    Estimate How Much You’ll Pay For Out

    Medicare Basics Explained

    If you apply for Medicaid and arent eligible, here are your options to determine your out of pocket health care costs:

    We’ve developed a tool that helps you compare and estimate how much you’ll pay out-of-pocket for different health services and procedures.

    University of Utah Health is trying to make this process easier by providing you a tool that helps you calculate how much youll have to pay out-of-pocket for common health care services.

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    Additional Information On Your Eob

    These items aren’t on the example EOB here, but may be included in your EOB:

    • Amount that may have been paid from spending accounts, such as a health reimbursement account , if applicable.
    • A glossary of the terms and definitions included on your EOB, as well as instructions for how you can appeal a claim, if necessary.
    • More specific details about filing an appeal in your state of residence.
    • A summary of deductible and out of pocket maximums.

    How Do I Read My Explanation Of Benefits Statement

    Who is this for?

    If you have a Blue Cross Blue Shield of Michigan or Blue Care Network Medicare plan, this information can help you understand the pieces and parts of your Medicare EOBs.

    About once a month, youll receive an explanation of benefits, also called an EOB. It’s a list of every time you visited the doctor, went to the hospital or filled a prescription, plus how much it all costs. Its important to remember that this statement isnt a bill. Its a tool to help you keep track of your plan usage. Well only send you statements when you use your coverage.

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    The Basics Of A Medicare Explanation Of Benefits

    A Medicare Explanation of Benefits summarizes the items or services you received during a given time that were paid for by your Medicare Advantage or Part D plan. Typically, these are sent out by plans monthly and available online.

    An EoB summarizes the items or services you received and how they were paid for by your Medicare Advantage or Part D plan.

    Generally speaking, an EoB shows you what your plan billed Medicare, along with Medicareâs approved payment amount. Youâll also see what your Medicare paid and whatâs left that youâre expected to pay to your provider. Note, an EoB isnât a bill. In essence, itâs like a receipt for the Medicare services and items you recently used. Itâs also important to recognize that an EoB is different from a Medicare Summary Notice, which is a summary of coverage usage for a three-month period in Original Medicare.

    Does Blue Cross Blue Shield Send Out Eob

    Can I View My Medicare Eob Online

    Is an EOBan EOB willaa Blue CrossBlue ShieldanEOB isBlue

    Thereof, how do I get my EOB from Blue Cross?

    You can follow these steps to start receiving your EOBs online.

  • Log in to your account at
  • Select My Coverage.
  • Select Mail Order under Where to go for care.
  • Select My Account.
  • Select Edit Preferences in the Communication Preferences section.
  • Additionally, do prescriptions show up on EOB? Your prescription drug EOB shows you the costs for any prescriptions your filled during the previous month, but its not a bill. You receive a prescription drug EOB each month you use your plan to fill a prescription.

    how do you read a Blue Cross Blue Shield EOB?

    An EOB from Blue Cross and Blue Shield of Minnesota or Blue Plus includes this information:

  • The name of the person who received services
  • The claim number, group name and number, and patient ID.
  • The doctor, hospital or other health care professional that provided services.
  • What is an EOB from insurance?

    An explanation of benefits is a statement sent by a health insurance company to covered individuals explaining what medical treatments and/or services were paid for on their behalf. The EOB is commonly attached to a check or statement of electronic payment.

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    Section : Your Prescription Drug Claims Received

    This section shows your claims for covered drugs received in a certain month. It also defines important terms to help you better understand the information listed on the page. And it contains important information about drug payment stages and other useful drug cost information. You can also to easily track which drug payment stage you’re in.

    How Do I Find My Medicare History

    Obtain access to your Medicare information

  • Create an account on myGov to access your My Health Record. Choose the record that you wish to view from the drop-down menu. Click on the Documents tab and then on the drop-down option that appears, pick Medicare Overview. Alternatively, you may examine immunization information by selecting Immunisations.
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    How To Appeal A Medicare Part D Denial Of Coverage

    If your plan refuses to cover a prescription, your pharmacist should give you a written notice that describes your rights. Start the appeal process by calling your plan to determine why it refuses to cover your medication.

    Once you know why coverage was denied, you can talk to the provider who prescribed the medication. It may be possible to switch to a comparable drug that is covered by your plan. If this isn’t an option, though, your healthcare provider can help you file a formal appeal.

    The next step is an exception request, where you ask the plan to make an exception for this medication or to place it on a lower tier. Your doctor is not required to help you with this, but you should ask them to supply a letter of support. You should receive a plan decision within 72 hours. Or, if you request an expedited request, you’ll have a decision within 24 hours. Typically, you must be able to demonstrate a health reason supporting your need for expediting your request.

    The Part D Standard Benefit

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    At a minimum, plan sponsors must offer a standard benefit package mandated by law. The standard benefit includes an annual deductible and a gap in coverage, previously referred to as the Donut Hole. Sponsors may also offer plans that differ from but are actuarially equivalent to the standard benefit. Finally, they may also offer enhanced plans that provide benefits in addition to the standard benefit. Typically, the enhanced plans offer some coverage during the Donut Hole.

    The Standard Benefit is defined in terms of the financial structure of the cost-sharing, not the drugs that must be covered under the plan.

    Medicare does not establish premium amounts for plans. Instead, premiums are established through an annual competitive bidding process and evaluated by CMS. Premiums vary from plan to plan and from region to region. Medicare does establish the maximum deductible amount, the Initial Coverage Limit, the TrOOP threshold, and Catastrophic Coverage levels every year. The table below shows the standard benefit for this year .

    Standard Part D Benefit 2020-2021

    Alternatives to the Standard Benefit

    Income-Related Monthly Adjustment Amount Part D

    Income-Related Adjustments 2021

    Greater than or equal to $500,000 Greater than or equal to $750,000 $77.10

    Drug Tiers

    Tier 1
    $65 33%

    The Donut Hole


    Once beneficiaries reach their out-of-pocket threshold costs), they move out of the Donut Hole and into Catastrophic Coverage.


    The Donut Hole Discount

    63% 75%

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    How To View Your Prescription Drugs Explanation Of Benefits Statement Online

    You can follow these steps to start receiving your EOBs online.

  • Log in to your account at If you havent registered, follow the instructions to sign up.
  • Select My Coverage.
  • Select Prescription Drugs.
  • Select Mail Order under Where to go for care. This takes you to the Express Scripts website.
  • Select My Account.
  • Select Edit Preferences in the Communication Preferences section.
  • Choose Reduce clutter, select get printed materials online and select the first option, Receive online and notify me when available.
  • Once you complete these steps youll receive your Part D Explanation of Benefits online instead through the mail. Well send you an email notice when a new statement is available.

    How Do I Get My Medicare Explanation Of Benefits

  • Check your Explanation of Benefits . Your Medicare drug plan will mail you an EOB each month you fill a prescription.
  • Use Medicare’s Blue Button by logging into your secure Medicare account to download and save your Part D claims information.
  • For more up-to-date Part D claims information, contact your plan.
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    How Do I Get A Copy Of My Medicare Remittance Advice

    Remittance Advice on Duplicate Sheets of Paper For any general inquiries or requests, please complete and submit the Customer Service General Inquiry/Request Form. Providers who regularly get the SPR but who are unable to secure a duplicate RA using the methods listed above may submit a written request for a duplicate RA to our office, which will be considered.

    How To Read Your Medicare Eobs And Msns

    Access Healthcare â Healthy Cleveland

    Medicare Explanations of Benefits and Medicare Summary Notices are statements summarizing the services you accessed under Medicare, the costs covered and how much you may be billed. This guide covers how to read your Medicare EOBs and MSNs with example medical statements.

    Our fact-checking process starts with vetting all sources to ensure they are authoritative and relevant. Then we verify the facts with original reports published by those sources, or we confirm the facts with qualified experts. For full transparency, we clearly identify our sources in a list at the bottom of each page.

    Content created by RetireGuide and sponsored by our partners.

    Key Principles
    Editorial Independence

    Understanding your health insurance plan goes beyond keeping track of your monthly premiums. There are other associated costs that you have to be aware of.

    Statements like Explanations of Benefits and Medicare Summary Notices help you better understand these costs. Though they may look like bills, theyre not.

    These notices inform you of the costs covered by your plan provider and how much you might have to pay out-of-pocket.

    This guide explains how to read Medicare EOBs and MSNs by explaining the different sections in the statements.

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    Can I Get Another Copy Of My Eob

    If you misplaced your most recent EOB or didnt receive it in the mail, contact your insurance company. A representative should be able to provide the information you need and verify your mailing address. Many companies also offer paperless options if you have an internet connection, you may be able to view your EOB online at any time.

    What extra benefits and savings do you qualify for?

    How Do I Access My Medicare Information is Medicare’s free, secure, online service for managing personal information regarding Original Medicare benefits and services. Original Medicare beneficiaries can create an account with and use it to check information about their coverage, enrollment status, and Medicare claims.

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    What Should You Expect To See In The Msn

    If youre enrolled in Original Medicare, you will receive an MSN instead of an EOB. An MSN shows similar information to an EOB.

    Your MSN has a summary page containing:

    • Starting date of the benefit period
    • Status of claims, whether approved or denied
    • How much you owe

    Whether your MSN is for Part A or Part B, they usually follow the same format.

    How is the Medicare EOB similar to the MSN? Just like the explanation of benefits, the MSN shows:

    • Dates when you accessed healthcare services
    • Claim status, whether approved or not
    • Charges that Medicare does not cover
    • Amount paid by Medicare
    • The maximum amount to be billed
    • Instructions for how to handle denied claims or file an appeal

    Health insurance providers usually file claims on your behalf. However, it is still advisable to check for denied claims yourself. If you believe that your health plan should cover the claim, you can appeal. The appeals process for an MSN is similar to the process for Medicares explanation of benefits.

    MSNs are released quarterly, but you can request monthly electronic MSNs for faster tracking.

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