AllMyHealth – Frequently Asked Questions
Health insurance questions and answers. Learn about our products and services and how to choose health insurance.
Read questions about health insurance including explanation of benefits, preventive care and health spending accounts.
Popular health insurance questions and answers
Explanation of Benefits
The explanation of benefits (EOB) explains the costs for services you received. This includes what the provider billed for, what your health plan paid for and what you will need to pay. When you get a bill, you can compare it to the EOB to make sure everything looks correct. It's a summary of the charges and payments related to your medical care. Itʼs not a bill. We provide this summary to help you understand how your plan covered the services you received, according to your benefits.
- You can see how much we have paid and how much you have or can expect to pay.
- If you owe anything, your doctors and other healthcare providers will send you a bill
Explanation of benefits
Members get an EOB after we process certain types of claims. An EOB might include:
- Patient information
- Member ID number
- Claims information
- What you owe the provider
- Information about your coinsurance, copay and your deductible
The amount for health care services that are not covered by your plan.
The amount you’ll pay for the service or procedure.
Spending Accounts
Health spending accounts help you save additional money to pay for out-of-pocket, qualified health, or medical expenses.
Qualified medical expenses include services and products that can be taken out of your paycheck taxes. Some examples of qualified medical expenses include:
- Dental and vision services
- Health screenings
- Lab tests and imaging services
- Medical care, including doctor visits
- Prescriptions
With a health savings accounts (HSA), you can set aside an amount of money that’s deducted tax-free from your paycheck. You can use an HSA debit card to pay for out-of-pocket health expenses. If you change jobs, choose a different health plan, or retire, it’s your money so it goes with you.
COVID-19
Yes, that’s true. The FDA recently authorized the administration of a third booster shot of the Pfizer, Moderna and Johnson & Johnson COVID-19 vaccines for everyone 18+ years old. To provide better protection against COVID-19 and its variants, the CDC recommends that vulnerable individuals get this booster as soon as they can.
A booster shot is an additional dose of a vaccine. In this case, it’s a third dose of the Pfizer, Moderna or Johnson & Johnson COVID-19 vaccine. Boosters are given when the initial protection of a vaccine series begins to weaken.
You may choose which COVID-19 vaccine you receive as a booster shot. Some people may prefer the vaccine type that they originally received, and others may prefer to get a different booster. CDC’s recommendations now allow for this type of mix and match dosing for booster shots everyone 18+ eligible.
