Reading your Explanation of Benefits (EOB)

Your Explanation of Benefits (EOB) is a simple recap of how your health plan paid for medical care or services you received. You'll get one after every visit to a care provider. You may get multiple EOBs for some services, like surgeries. It's important to know your EOB is not a bill.

Reviewing your EOB

Below is an example of an EOB. Your statement can be broken down into three important sections:

EOB-how-to-read-sample.svg

Section 1: General information about your claim

Every EOB includes information about your claim, including the patient, date of service, provider and the type of service received.

Your EOB may include information about more than one claim or more than one patient.

Section 2: How much your health plan paid for your care

This section will help you understand how Wellmark covered the cost of your service or visit.

You'll see the Amount Charged by your provider, how much you saved by staying in-network under Network Savings and the amount your plan paid toward the service or visit, which is shown as Medical Plan Paid.

Section 3: The amount to be paid by you

Based on your specific plan, you may be responsible for part of the cost in the form of a deductible, copayment, or coinsurance. There may also be services that aren't covered or some costs that are covered by other insurance.

The sum of your Deductible + Copayment + Coinsurance + Amount Not Covered is the amount you may owe your provider. If you haven't already paid it, your provider will send you a bill separately.

It's important to remember your EOB is not a bill, and you shouldn't pay anything to Wellmark when you receive your EOB.

How to get an EOB

You can easily track, sort and review your EOBs by date, provider or patient through the secure member portal, myWellmark®. Your online account will keep all those records safely stored.*

If you’d like to receive mail, email or text notifications when new EOBs become available, visit the notifications page in myWellmark.

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Disclaimer

*Your online account will keep all those records safely stored for 24 months while you're an active member. If you leave Wellmark, you can access records in myWellmark for up to 18 months as a policyholder and 90 days as a spouse/dependent.