Tracking your deductible and out-of-pocket maximum
Knowing how close you are to reaching your deductible and out-of-pocket maximum can help you understand your costs. By keeping track of your deductible, you’ll have a better idea of whether you’ll pay the full charges, a copay, or coinsurance for upcoming services.
And if you know you’ve met your out-of-pocket maximum, you’ll know that most covered services will be provided at no charge for the rest of the year.
Here are some tools and resources to help you track your costs and payments so you can stay on top of your finances.
Explanation of Benefits (EOB)
Before your EOB arrives, use our Estimates tool to get the most current overview of how close you are to reaching your deductible and out-of-pocket maximum.
Your EOB is a summary of the services you've received and lists the charges that have been added toward your deductible and out-of-pocket maximum during the calendar year. That way, you’ll know how close you are to reaching those limits.
If you have a health reimbursement arrangement (HRA), health savings account (HSA), or flexible spending account (FSA) be sure to save your or EOBs in case you need to validate a claim or for income tax purposes.
For additional information:
Paying for care brochure♦
Understanding your costs flier♦
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