I-EOB inikezela iinkcukacha malunga ne-inshorensi yebhashurensi yonyango eye yacutshungulwa kwaye ichaza ukuba yiyiphi inxalenye ehlawulwe kumboneleli wezempilo kwaye yeyiphi inxalenye yentlawulo, ukuba kukho na, isigxina somguli. I-EOB ayiyilwayo. Naliphi na isahlulo seendleko zonyango ezingagqitywanga yinkampani yomshuwalense, njenge-deductible okanye i-pay-co-pay, iya kukhutshwa ngumboneleli kwaye kufuneka ihlawulwe ngqo kumnikezeli.
I-EOB ngamanye amaxesha kunokuba nzima ukuyiqonda kwaye ingadinga umnxeba kwinkampani yomshuwalense ukuba ibuze imibuzo ejoliswe kuyo malunga neengxelo zenzuzo.
Xa Ukulindela i-EOB
Njalo ixesha iinkonzo zinikezelwa, oogqirha, oogqirha bamazinyo kunye nabanye abaqeqeshi bezonyango baya kufaka iibango kwiinkampani ze-inshorensi zegulane ukuze zifumane intlawulo. Kananjalo, iinkampani ze-inshorensi ziza kuthumela ii-EOB kwizigulane ukuba zibaxelele ngamabango angenisweyo, ubuninzi benziwa yinkampani ye-inshorensi, kwaye umvuzo umvuzo.
Abanikezeli abaninzi be-inshorensi, njengeBlue Cross Blue Shield, baya kuba ne-EOBs yesampuli efumaneka kwiwebhusayithi. Le yindlela efanelekileyo yokuba izigulane zikwazi ukuzijonga ngendlela efana ne-EOBs kunye nendlela yokuqonda ulwazi olunikeziweyo.
Ezinye zeMibandela onokuyenza malunga ne-EOB
Ukuba awuyiqondi isizathu sokuba unetyala okanye ufumane ubunzima bokufunda i-EOB, fowuna inkampani yakho yomshuwalense kunye / okanye umboneleli wakho wezempilo.
Ukuba unetyala, cela inkampani yomshuwalense ukuba le ntlawulo iya kufakwa kwi-out-of-pocket.
Unokufuna ukucaciswa kwiintlawulo zeenkonzo ezithile ezinikezelweyo. Unokucela umboneleli wezempilo ukuba achaze iinkonzo kunye nentlawulo nganye.
Ukuba ucinga ukuba uhlawulwe ngephutha, cela umboneleli wezempilo ukuba ahambe phezu kwe-EOB yonke, umgca ngomgca, ukubona ukuba kwenzeke iphutha.
Gwema iiNgxowa-mali zonyango
I-EOB inokukunceda ukuba ugweme ukuhlawula ngaphezulu kunokuba ufanele unyango lwezempilo. Khangela i-EOB xa ifika kwi-imeyile kwaye uyiqhathanise neebhilikhi zonyango ukuqinisekisa ukuba uhlawula umboneleli wezempilo unomlinganiselo ofanelekileyo. Ukuba ufumana iiposiso kwilwayo-mali evela kumgqirha okanye omnye umboneleli wezempilo, tshela inkampani yakho yenkampani yomshuwalense ukujongana nephutha lokukhokha.
Ukuqinisekisa iiNzuzo zoMshuwalense
Njengoko ababoneleli bezempilo banokwenza iimpazamo zokuhlawula, iimpazamo zokubhala ziyakwenzeka xa iinkampani zomshuwalense ziqhuba i-EOBs. Ukuba awuqondi into ethile kwi-EOB yakho okanye ucinga ukuba umgaqo-nkqubo wakho womshuwalense uhlanganisa iindleko ezingakhange zihlawulwe, fowuna inkampani yakho yenkampani yomshuwalense ukuba ichaze okanye ufumane inzuzo.
Ukulandelela ii-EOBs kwi-Intanethi
Abanini-nkqubo abaneenkampani ezininzi ze-inshorensi banokufikelela kwi-intanethi kwiakhawunti zabo, kwaye oku kubandakanya ukufikelela kwidijithali kuma-EOB. Ukuba awukwazi ukufikelela kwi-intanethi yakho kwi-akhawunti yakho, jonga inkampani yakho yomshuwalense malunga nendlela yokufikelela kwiwebhu. Emva kokuba usungule i-akhawunti ye-intanethi, khangela ukuba ubona yintoni inketho yakho yomshuwalense ngokubhekiselele kokufikelela kwidijithali. Uninzi luyakukuvumela ukuba ubhalisele i-imeyli izaziso xa zifumaneka ii-EOB, zivumela ukuba uzibuke ngokukhawuleza ngaphandle kokuzilinda ukuba zifike kwibhokisi yakho yeposi.