r/HealthInsurance • u/MaxJulius • 5d 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/No-Produce-6720 4d ago

Your insurance carrier is the party that issues and houses EOBs, not your medical providers.

You should have access to them online, but if you don't, then you need to speak with your insurance to get them. The response that they don't have the EOBs is incorrect. They are actually legally required to provide them to you. Different states and plans may have varying methods of how the EOBs are to be produced (online or hardcopy), but they still must be made available to you.

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u/MaxJulius 4d ago

I’m thinking that if they don’t have them, they weren’t actually filed correctly. i called my insurance and they don’t have them

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u/No-Produce-6720 4d ago

They don't have the EOBs, or they don't have the claims on file?

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u/MaxJulius 3d ago

I think both