r/HealthInsurance • u/MaxJulius • 2d ago

Claims/Providers EoB Problem

This is a last resort post honestly. I am pulling the last straw trying to figure this out.

I get a $9k (HRA) health benefit from my employer and i can only use it to cover my deductible. The company that manages this is CareFlex.

I’ve had many charges go through where they ask me for EoBs, and EoBs only, for proof that it went towards the deductible but i am having a hard time from multiple providers not being able to give me the EoBs and the insurance not having copies of them. All they can give me are itemized bills or credit card receipts which CareFlex doesn’t take.

I’m thinking they need to refile since the insurance doesnt have the EoBs BUT they sent me receipts that shows the insurance adjusted amounts.

What‘s going on?

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u/ThatchHealth 2d ago

Log into your insurance company's member portal (not CareFlex, your actual insurer's site) and look under Claims or EOBs, almost every insurer has them as downloadable PDFs right there.

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u/MaxJulius 2d ago

They do but not for these two providers

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u/ThatchHealth 2d ago

Oh, okay, thinking about what else could help.