Wednesday, March 16, 2011

How does a health insurance work?

I got a mail from my health insurance that shows that i claimed $600 but it also shows that the same amount is ineligible? What does it mean? Does it mean that i have to pay it?SERIOUS ANSWERS Only pls
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The paper from your insurance company (the Explanation of Benefits or EOB) should have codes on the line item to explain why the charge is ineligible. It could be something as simple as the provider sent in a duplicate claim in error, didn't provide the correct coding information on the claim, or that medical record review is required. You would not have to pay for anything. But, it could be that the services is not a covered benefit under your policy, your deductible is not met, or your policy was terminated. Check the EOB for more info or call the 800 number listed and a rep can explain. Usually there is also a part of the EOB that says "what you owe". That will help you know whether you are responsible too.
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