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Your EOB or Explanation of Benefits gives you an overview of the claim, including who provided the care, how much was billed, how much your plan covered, and how much you may owe.
After you visit a doctor, other health care professional, laboratory or hospital, an EOB is generated for you. If your health care provider participates in Horizon’s networks, the claim is submitted to Horizon for you. But if you go to an out-of-network health care provider, you may need to submit the claim yourself.
An EOB is not a bill. It tells you what costs are covered for medical care or services you’ve received.
Understanding Your Explanation of Benefits
Video Transcript
[“Understanding Your Explanation of Benefits” title and Horizon Blue Cross Blue Shield of New Jersey logo]
Each time you use your health plan to get care, you’ll get information about the claim your doctor submitted.
This information is called an “Explanation of Benefits” or EOB.
Your EOB gives you an overview of the claim, including who provided the care, how much was billed, how much your plan covered, and how much you may owe.
Your EOB also gives you detailed information about your claim.
This section lists additional information, including other insurance plan payments, if you have other coverage, and how much you are responsible for paying as a copay, coinsurance or deductible.
It also lists any “Amount Not Covered,” which may be costs billed by your doctor that are not covered by your plan.
All of these amounts are included in “What You Owe.”
Remember: Your EOB is not a bill, so don’t take out your checkbook just yet. Wait until you get a bill from your doctor to pay exactly what you owe.
You can view your EOBs, 24/7, by signing on to HorizonBlue.com or the Horizon Blue app.
If you have a question about your benefits or your EOB, sign in to HorizonBlue.com to email your question or chat with us, or give us a call. [1-800-355-BLUE (2583)]
To learn more, visit “What Happens After My Appointment” at HorizonBlue.com. [HorizonBlue.com/AfterMyAppointment]
[Horizon Blue Cross Blue Shield of New Jersey logo and disclaimer]
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Last updated:
Nov 10,2022
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Related FAQs
- How much was paid on my claim and what do I owe?
- How can I update my information about additional insurance/coordination of benefits so I know my claim will be processed correctly?
- What does it mean if my claim was denied for benefit or service excluded?
- What is a deductible?
- What is a copayment?
- What is coinsurance?
- Why can’t I view the information of another member on my policy online?
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A deductible is the amount you must pay each year for covered charges before benefits are paid by your plan.
What is a deductible?
Transcript
Health insurance jargon is confusing. We feel your pain.
And while there may not be a way around the word deductible, there is a way through it.
A deductible is the amount of money you have to pay before health insurance kicks in and starts paying for medical treatment and services.
This is Jill. Jill has a $1,000 annual deductible.
Let’s say Jill falls out of a tree and breaks her arm.
She goes to her In-Network doctor and gets a bill for $700.
Jill will pay all $700 herself.
She still has $300 bucks left to meet her annual deductible for the year.
No insurance help yet.
In June, Jill twists her ankle while walking her dog.
This time her bill is $500.
Since Jill only has $300 to go to meet her deductible, her insurance covers the remaining $200.
However, some plans may include coinsurance and that will change the amount you owe.
Jill has now meet her Deductible. For the remainder of the year, Jill won’t have to pay towards her deductible. Horizon will start paying for all eligible services with the exception of your copay and/or coinsurance.
But in January, it starts all over again.
It is important to know that your Deductible is different than your copayment and coinsurance. Not all plans include all three types of member responsibility.
In Jill’s case, she had a copayment at the time she visited her doctor to fix her ankle that she paid in addition to the $300 payment that went to the Deductible.
Your plan may have a deductible, copayment and/or coinsurance.
To learn more about your plan, how much you have contributed to your deductible this year, and to verify your deductible, copayment and/or coinsurance amounts, visit HorizonBlue.com/members.
You can also get answers to your questions by reading our FAQs, sending us a question through Message Center or asking a question through chat.
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Last updated:
Jan 07,2022
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Yes. The Horizon Blue app provides you with 24/7 access to care, support and plan information from your smartphone or other mobile device.
To get the app, text GetApp to 422-272 or visit the App Store® or Google Play™. There is no cost to download the Horizon Blue app, but rates from your wireless carrier may apply.
To sign in to the app, enter the username and password that you used to register for HorizonBlue.com and click Sign In. Biometric sign-in (fingerprint or facial recognition) is also an option.
With the Horizon Blue app, you can:
- Submit out-of-network medical and behavioral health claims.
- Display, download, print and share your member ID card.
- Quickly connect with health care professionals.
- View your claims, see how much your health plan paid, and any amount you may owe.
- Find doctors and hospitals.
- Schedule appointments.
- Check if a specific treatment or service is covered.
- Track your deductible, if applicable, and maximum out-of-pocket costs.
- Email or chat with a Member Services Representative to get answers to your questions.
- If you purchased insurance for yourself or your family directly through Horizon BCBSNJ or through the NJ state-based exchange (SBE), you can pay your premium bill online and set up Auto Pay.
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Aug 18,2022
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Choose the type of claim you'd like to submit.
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You can submit out-of-network medical claims using the Horizon Blue App (which does not require a claim form) or by mail. This includes claims for the following:
- Behavioral health (mental health and substance use disorders)
- Prescriptions
- Eyeglasses
- Durable medical equipment like breast pumps, sleep apnea machines, diabetic supplies, orthotics, etc.
Submitting a Medical or Behavioral Health ClaimTo submit a medical or behavioral health claim using the Horizon Blue App, sign in and tap Claims, then Submit a Claim.
To submit a medical or behavioral health claim by mail:
- For all members except State Health Benefit Program (SHBP) or School Employees’ Health Benefits Program (SEHBP), download and complete the Horizon Health Insurance Claim Form
For State Health Benefit Program (SHBP) or School Employees’ Health Benefits Program (SEHBP) members, download and complete the SHBP/SEHBP Medical Plan Claim Form
- Follow the instructions on the claim form to include an itemized bill. This includes:
- Patient name
- Member ID number
- Date of service
- Diagnosis code(s)
- Procedure code(s)
- Place of service
- Total charge
- Mail medical claims to the address on the claim form. Mail behavioral health claims to:
Horizon Blue Cross Blue Shield
Horizon Behavioral Health
P.O. Box 10191
Newark, NJ 07101-3189
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You can submit out-of-network dental claims by mail only.
For all members except State Health Benefit Program (SHBP) or School Employees’ Health Benefits Program (SEHBP), download and complete the Claim Form - Dental. Mail it to the address on the form.
For State Health Benefit Program (SHBP) or School Employees’ Health Benefits Program (SEHBP) members, download and complete the Dental Claim Form. Mail it to the address on the form.
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You can submit out-of-network prescription claims by mail only. Follow these steps:
- Sign in to HorizonBlue.com.
- Under Doctors & Care, click Prescriptions.
- If you see Go to Prime Therapeutics: Mail the Prescription Drug/COVID-19 At Home Test Kit Claim Form to the address on the form.
- If you do NOT see Go to Prime Therapeutics: Follow the instructions on screen to be redirected to the appropriate vendor. You can obtain the prescription claim form from their website, or call the number on your prescription drug identification card.
- Sign in to HorizonBlue.com.
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Nov 03,2022
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A copayment is the fixed amount you must pay after you’ve paid the deductible for each medical visit to a participating doctor or other health care provider, usually at the time of service.
Understanding Copayments
Transcript
Understanding what you pay for your health care is an important part of understanding your coverage.
Your copayment is a fixed dollar amount you pay each time you get care from your doctor, another type of health care professional or a hospital. Your copayment amount can vary depending on the type of health plan you have and which doctor, specialists or hospital you see.
Let’s see how a copayment works.
Sarah has a sore throat and gets an appointment with her in-network family doctor. At the doctor’s office, she pays the copayment amount listed on the front of her member ID card. For Sarah’s plan, the copay is $10 for an in-network family doctor. Once the claim is submitted by her in-network family doctor and processed by Horizon Blue Cross Blue Shield of New Jersey, an Explanation of Benefits statement or EOB is generated. The EOB shows how much her plan paid, how much she paid for her copayment and how much she owes for the visit if applicable.
What you need to know about copayments?
Your copayment amounts differ depending on the type of doctor, hospital or other health care professional you visit.
For example, the copayment to see a specialist in your plan may be higher than the copayment to see your primary care physician. Your copayment may also differ if you go out-of-network. Copayments are one component of your out-of-pocket expenses. Other out-of-pocket expenses may include your coinsurance, annual deductible and the cost for services not covered by your plan.
Copayments, coinsurance and deductibles: Understanding the differences.
Your plan could have a copayment, coinsurance or annual deductible. It does not always include all three.
Copayment. What you pay each time you receive care.
Coinsurance. What you pay after you’ve met your deductible.
Deductible. What you pay before your health insurance kicks in.
What is my maximum out-of-pocket?
Your maximum out-of-pocket is the highest amount you will have to pay each year. Once you meet your maximum out-of-pocket, your insurance will pay in full for all covered services and you will no longer pay a copayment, coinsurance or a deductible for the remainder of the plan year.
Maximum out-of-pocket can vary depending on type of plan and the number of dependents covered.
To learn more about your out-of-pocket costs and your health insurance benefits, visit HorizonBlue.com/understanding-your-costs.
If you need help finding information about your benefits, claim status and more, sign in to our secure Member Online Services at HorizonBlue.com to: read our FAQs, send us a question through our secure email or ask a question through Chat during normal business hours.
Horizon Blue Cross Blue Shield of New Jersey remains committed to helping you understand your benefits.
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Last updated:
Jan 07,2022
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Your Explanation of Benefits (EOB) gives you an overview of the claim, including who provided the care, how much was billed, how much your plan covered, and how much you may owe.
Your EOB gives you detailed information about your claim. It tells you how much you are responsible for paying as a copay, coinsurance or deductible.
It also lists any “Amount Not Covered,” which may be costs billed by your doctor that are not covered by your plan.
All of these amounts are included in “What You Owe.”
Remember: Your EOB is not a bill, so don’t take out your checkbook just yet. Wait until you get a bill from your doctor to pay exactly what you owe.
You can sign in to view your EOBs, 24/7, or view them with the Horizon Blue app.
Terms used in an EOB
- Date of Service: The date you received your care.
- Type of Service: The service or care given to you by the provider.
- Amount Billed: The amount charged by the provider for each service on the claim.
- Allowed Amount: The amount the provider agrees to be paid for a specific service. It may include a deductible, coinsurance and/or copay.
- Your Plan Paid: The total amount paid by Horizon BCBSNJ to you or the provider for the services that were covered by the plan.
- Your Other Insurance Paid: The amount paid by another insurance carrier, if you are covered under another health insurance plan.
- Copay: A copay is a fee that you pay each time you go to the provider. You pay the copay at the time you receive the care or service.
- Coinsurance: The coinsurance is the amount you pay out-of-pocket after you have paid your deductible, if any. You pay the coinsurance amount directly to the provider.
- Deductible: The amount you must pay before your plan pays for covered services. You are responsible for paying this amount directly to the provider.
- Amount Not Covered: The fee charged for care that is not covered by your plan. You may be responsible for paying this amount in addition to any deductible, coinsurance and/or copay.
- What You Owe: The total amount you owe the provider. The total amount includes:
- Any copay, coinsurance and/or deductible
- Costs for services you receive that are not covered by your plan
- The difference between the billed and paid amounts for out-of-network services
- Claim Detail: These codes refer to specific messages for each claim that help explain how we processed your claim and calculated any payment.
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Nov 10,2022
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Coinsurance is the percentage you pay for a covered medical treatment or service after you’ve paid your deductible. The amount of your coinsurance depends on the type of medical care or service you receive and your specific plan. It is usually shown as a percentage of the overall cost of the service or treatment.
Understanding Coinsurance
Transcript
Understanding what you pay for your health care is an important part of understanding your coverage.
This short video explains what coinsurance is and how it works.
Let’s get started.
What is coinsurance? Coinsurance is the percentage you pay for a covered medical treatment or service after you’ve paid your deductible. The amount of your coinsurance depends on the type of medical care or service you receive and your specific plan. It is usually shown as a percentage of the overall cost of the service or treatment.
Here’s how it works.
John goes to the doctor to treat his strep throat and has a coinsurance of 20% when seeing his in-network primary care physician. John’s insurance has a $100 allowed amount for this type of in-network doctor’s office visit. Since John has a plan with a 20% coinsurance, John has to pay 20% of the $100 charge for his office visit OR $20. His insurance plan pays the rest OR $80.
Deductibles, coinsurance and copayments – understanding the differences.
Your plan can have an annual deductible, coinsurance and/or a copayment. It does not always include all three.
An annual deductible is the amount you have to pay during one benefit year before your health insurance starts paying for eligible medical treatment and services.
Coinsurance is the percentage of the costs for covered care that you have to pay.
Your copayment is the set amount you pay each time you receive care for a covered benefit. If your plan includes a copayment for services, it will not include a coinsurance for the same service type.
What is my maximum out-of-pocket?
Your maximum out-of-pocket is the highest amount you will have to pay each year. Once you meet your maximum out-of-pocket, your insurance will pay in full for all covered services and you will no longer pay a copayment, deductible or coinsurance for the remainder of the plan year.
To learn more about your copayment, deductible and coinsurance, sign into Member Online Services at HorizonBlue.com.
Need more help?
If you need help finding information about your benefits, claim status and more, sign into our secure Member Online Services on HorizonBlue.com to: read our FAQs, send us a question through our secure email OR ask a question through Live Chat.
Horizon Blue Cross Blue Shield of New Jersey remains committed to helping you understand your benefits.
Thank you for watching.
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Last updated:
Jan 07,2022
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You must download and use the Horizon Blue app to submit an out-of-network claim electronically.
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Jan 07,2022
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You received a check for the payment of services provided by an out-of-network doctor or other health care professional. The check was attached to the Explanation of Benefits (EOB) for that service. You should:
- Deposit the check into your personal account.
- After you receive the doctor's bill, pay them directly from your personal account. This amount should be for the same amount as the check you received from Horizon.
If the amount of the check you received from Horizon and the doctor's bill does not match, email us or chat with a Member Services Representative.
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Jan 10,2022
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Your Horizon plan requires you to receive prior authorization or a referral for certain services or treatments. Take a look at the Explanation of Benefits (EOB) statement. If it includes the Message Code M737 that means your claim has been denied because there was no prior authorization or referral on file for this visit.
If you used an in-network doctor, other health care professional or facility, the provider should have submitted the request for prior authorization or given you a referral.
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Last updated:
Apr 25,2022
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Browse our Help Center categories and topics. For questions about your medical plan or technical support, sign in to send us an email or start a live chat. For other questions, visit the Contact Us information page on HorizonBlue.com.