Explanation of Explanation of Benefits (EOB)

You’ve got mail!

What could it be? It came from an insurance company, so it must be essential, right? Thankfully it’s not a bill, but it still looks important.

An Explanation of Benefits (EOB) is a paper or electronic document you get from an insurance company (Delta Dental of Wisconsin or another provider), explaining the processing and resulting coverage from your recent dental appointment.

So, what should you do when you get an EOB? First, review it carefully to make sure it has your correct name and plan information. 

An EOB will tell you:

• Treatment performed (description of procedures) and date of service

• Dentist fees

• Insurance company payment

• Amount you might owe (such as deductibles, coinsurance and non-covered services)

• Coordination of Benefits (COB) information, if applicable

• Portion of annual maximum used and the amount paid toward deductible in the current benefit year.

If you paid your dentist directly, the EOB might come with a check. After you get your EOB, you’ll know what (if anything) you owe. Your bill will come directly from your dentist.

If you have questions about your EOB, or believe that your claim wasn’t resolved properly, contact your plan provider. If you’re a Delta Dental of Wisconsin subscriber, call (800) 236-3712 or visit deltadentalwi.com.

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