How can I track my medical, dental and vision claims and their payments?
After you visit your doctor, your doctor's office submits a bill (also called a claim) to your insurance company. A claim lists the services your doctor provided to you. The insurance company uses the information in the claim to pay your doctor for those services.

When the insurance company pays your doctor, it will send you a report called an Explanation of Benefits, or EOB, that shows you what it did. You need to be able to read and understand the EOB to know what your insurance company is paying for, what it's not paying for, and why. An EOB is not a bill.

Your doctor's office might send you a statement. A statement will show you how much you owe the doctor. If you receive a statement before your insurance company pays your doctor, do not need pay the amounts listed at that time. After your insurance company pays your doctor, you will need to pay the doctor any balance due.

Here are some things to look for:
• If the dates of service and description of services on your EOB and billing statement aren't the same, or if they don't match other records you may have of the visit, contact your doctor's office first.
• If you have questions about why the insurance company did not cover something or about the amount you have to pay, contact the insurance company.
• If more than 60 days have passed and the insurance company still hasn't paid your doctor, contact the insurance company.

Finally, keep your EOBs and statements organized (e.g., filed by date) so that you can access them easily should questions arise. When payments are made, note the date and amount paid on the EOB and statement.

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1. What is our medical insurance carrier name, group number and contact information?
2. What is our dental carrier name, group number and contact information?
3. What is our vision carrier name, group number and contact information?
4. Where can I find covered services under our medical insurance and dental/vision insurance?
5. How long is my child covered under our insurance?
6. What is our medical insurance deductible
7. Do we have a copay on our medical insurance?
8. Can you explain our HRA?
9. Can you explain our HSA?
10. Does the city provide life insurance to employees?
11. What is an Employee Assistance Program?
12. What should I do if I am injured on the job?
13. Do we have a home delivery option for prescription drugs?
14. How can I find an in-network doctor or facility?
15. How can I compare costs of doctors and facilities?
16. How can I obtain an additional id card?
17. Can we use "teledoc" services?
18. What additional programs are available through our medical plan?
19. Does the city offer any Deferred Compensation programs?
20. Does the city offer any Supplemental Benefits?
21. How do I access my voicemail remotely?
22. How do I access my email remotely?
23. What is the difference between a deductible, copay, coinsurance and out of pocket maximum?
24. How can I track my medical, dental and vision claims and their payments?
25. How can I reduce my healthcare costs?