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Senior CHIQUITA curled up quietly at shelter lobby watches her owner walked away

Have you ever been surprised that you owe for a medical procedure because maybe you thought your insurance paid the entire amount? In fact, so surprised that you handle it by ignoring the multiple statements, phone calls and the explanation of benefit statement from your health plan (which is where it all begins)?

What's on an EOB?

Healthcare insurance providers are required by law to send a copy of the EOB to their patients. It can be labeled as a medical claim summary or medical summary notice as well as an explanation of benefits. Usually, in noticeable lettering, it will read: This is not a bill.

Some of the information that will be on it includes:

The name of the provider
What services were provided (blood test, wound treatment, physical therapy, etc.)
The amount your provider charged for your treatment
The amount that the insurance company will pay, usually referred to as amount allowed (also called allowed charges, negotiated amount or allowed amount)
Any co-pay you made
The amount you will have to pay after you have met your deductible (coinsurance)
The amount of the charges that your insurance company will pay
The difference between what the insurance company will pay and what you were charged by your provider, also called not covered, not payable or pending. This is also the amount that you may be billed for.
Below are important tips to remember when reviewing these statements:

EOB Dos:

Keep your EOB and when you receive your bill, compare them. They should match.
Respond immediately to requests for information.
Review the services you received and the dates they were performed to guard against billing fraud and identity theft.
Check the coverage information section so you know exactly treatments that were or should be covered.
Scan for double billing which can occur if more than one treatment or provider was used.
Ensure your health plan benefits were correctly applied.
EOB Don'ts:

Ignore the EOB statement because it is not a bill. It is the foundation for the bill and deserves careful scrutiny.
Be afraid to question anything that you are uncertain about.
Fail to pursue any errors. Most healthcare insurers have numbers you can call to begin any dispute process.
Forget to compare the EOB against the bill.
Avoid educating yourself on all aspects of your medical life which is with you forever.
Many patients ignore the important information contained in this document. Take responsibility for understanding the ins/outs of your health insurance plan or if you do not have one, ask questions upfront to prevent surprises. Understanding the EOB can help keep you out of collections!

The dog watched his owner leave the building. He would not keep his eyes off the door and kept trying to go after his owner. When the owner handed off the leash to the animal control officer the dog jumped to hug his owner and the owner pushed him off. The entire lobby was in tears.

#A5240631 My name is CHIQUITA and I'm an approximately 10 year old female Shih Tzu. I am not yet spayed. I have been at the Carson Animal Care Center since 12/1. I will be available on 12/1. You can visit me at my temporary home at CRECEIVING.

🔹 Shih Tzu
🔹 AGE:10 years
🔹 Female
🔹 ARRIVED:12/1

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Carson Shelter at 310-523-9566
216 W Victoria St. Gardena, CA 90248
Ask for information about animal #A5240631

STATUS : - read comment for update from crossposter
Medicare Part A

Durable Medical Equipment (DME)

When it gets to the time in your life when you need some sort of Durable Medical Equipment what do you do?

In this article are five steps to achieve your DME.

Depending upon the Medicare plan in which you have if it is straight Medicare where you pay the 20% which Medicare does not cover or an (HMO) Health Maintenance Organization or (PPO) Preferred Provider Organization in which you pay a copay. Once you and your doctor have decided you need some sort of DME call your insurance company to get the facts about how this equipment will be paid.

It is very upsetting for the person who needs the DME and their family who do not understand the process of how to obtain the expensive DME that is needed to sustain your daily wants and needs. For example: When you need a wheelchair. This is usually needed when you are too weak to walk or fall with every step. This is when you need assistance in and out of bed and to the bathroom several times a day. A wheelchair would make you and your family's life much easier to have that wheelchair.

Step 1.

The Doctor.

You need a prescription or a Letter Of Necessity from him/her to obtain the Durable Medical Equipment. Depending on the type of Medicare Plan you have.

Step 2.

The doctor's office will obtain the authorization for you to receive the Durable Medical Equipment or you can use the prescription or Letter of Necessity and pick the equipment up yourself at the contracted Medical Equipment place of business.

Step 3.

Depending upon your Medicare Plan once again it will depend if you owe a co pay or it will not cost you any out-of-pocket expenses. In some cases Part B Medicare may become involved in the payment of your Durable Medical Equipment.

Step 4.

There are many types of Durable Medical Equipment the big items are wheelchairs, hospital beds, walkers, Oxygen equipment and (CPAP Machines) Continuous Positive Airway Pressure Machines and accessories. Others are Blood sugar monitors which require test strips, commode chairs, etc.

Step 5.

Depending upon you and your needs the DME will be purchased outright or will be rented.

Whatever you need the first phone call is to your doctor's office.

For any information on Medicare call 1-800- Medicare or 1-800-633-4223.

There are many websites with information for you to read or print to better understand Medicare.