The dental insurance website shows I owe $506, but the provider’s website displays $0 due. Do I need to pay in the future? Additionally, the claimed details don’t add up to the total patient responsibility they are charging me.
Info of my insurance plan: I'm in GA, using Cigna dental.
As the title states, I recently went to an in-network dentistry for a regular dental checkup and deep cleaning. I paid about $352 according to the dentistry's pricing. However, about two weeks later, the claim on my insurance website states "claim processed" with a "patient responsibility" of $506. And when I revisited the dentistry website, the patient portal showed a due amount of $0.
Additionally, the claim details and Explanation of Benefits (EOB) on the insurance website don't add up. For example:
Billed: $1307
Not Allowed: $81
Covered amount: $133
Contracted Amount: $497
Remaining Balance: $364
Plan paid: $133
Patient Responsibility (Not Covered By Plan): $283.00
Patient Responsibility (Applied to Deductible): $0
Despite these detailed figures, the Total Patient Responsibility is listed as $506. Based on the knowledge I learned through Google, the amount should be $364 according to their calculation? And how come $0 went to the deductible? Furthermore, each item on the form doesn't sum up to these numbers, making the entire form confusing to me.
I know that the EOB is not a bill that I'll eventually pay to my provider, but does this claim result mean I'll have to pay the price difference eventually in the future? Can someone please help me make sense of these claim details? Thanks in advance!
submitted by /u/TravelWithCats
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