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Steve Shorr Insurance
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EOB Deciphered

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Steve Shorr, President,
CPCU, REBC, RHU

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Established   1981


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 EOB Headers
You pay this amount FIRST, the Deductible before Blue Shield pays anything, except those services with a RED DOT next to them

EOB
It's just $30, co pay, no co-insurance

EOB
This means you pay 30%.  Blue Shield pays 70%

EOB  Explanation of Benefits
You never pay more than this much in a year
The Calendar Year Maximum or OOP (Out of Pocket Maximum)
EOB Explanation of benefits
Where are you having this colonoscopy done?
You pay 30% up to the co pay maximum

See Page  20 - 23  of the Blue Shield Brochure

Cal Choice Clarifications

8 page email dated 3/23/2009 email where an Attorney asks numerous questions and clarifications about various polices

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