Each time Premera processes a claim submitted by you or your healthcare provider, we explain how we processed it in the form of an Explanation of Benefits (EOB).
The EOB is not a bill. It simply explains how your benefits were applied to that particular claim. It includes the date you received the service, the amount billed, the amount covered, the amount we paid and any balance you're responsible for paying the provider. It also tells you how much has been credited toward any required deductible. (We recommend you keep all EOBs for at least two years.)
Each time you receive an EOB, review it closely and compare it to the receipt or statement from the provider.
There's a lot of information packed into the EOB. We organized it all so you can quickly find what matters most to you. The EOB contains 3 items:
We've explained the EOB item by item to help you confirm bills from your provider see how much of your own money you spent, and decide where you may be able to save money in the future.