Tracking your deductible and out-of-pocket maximum
Knowing how close you are to reaching your plan deductible and out-of-pocket maximum can help you better manage and 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 you’ll receive covered services at no charge for the rest of the year.*
Here are some tools and resources to help you track your deductible and out-of-pocket maximum.
Explanation of Benefits (EOB)
Your EOB is not a bill. It's a summary of the services you received, how much they cost, and how much your health plan paid. Use it to keep track of your expenses, your deductible, and your out-of-pocket maximum.
To see your EOBs online, visit kp.org/mydocuments.
- See a sample EOB and learn how to read it.
- 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.
If you have a health reimbursement arrangement (HRA), health savings account (HSA), or flexible spending account (FSA) be sure to save your EOBs in case you need to validate a claim or for income tax purposes.
Track your costs online, anytime: Sign on to kp.org and go to My Coverage and Costs to see your claims summary. It lists the charges for services you’ve received.
For additional information:
Paying for care brochure
*For a small number of services, like durable medical equipment, you may keep paying copays and coinsurance for the rest of the year.
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