A closer look at some of your health care costs and payments

It’s not always easy to understand how health care costs work when you have a health plan. We hope this info offers a little more clarity.

Costs for doctors and hospitals NOT in your plan (out-of-network), and balance billing
Submitting claims timely to us for care you've received
Grace period for monthly payments.
Retroactive denial
Getting money back if you pay us more than you owe
Medical necessity and prior authorization
When you need a prescription drug that's not on your plan's drug list
Explanation of Benefits (EOB)
Coordination of Benefits (COB)