An EOB is not a bill – it’s a summary of how your insurance processed a recent claim. Many members mistake the EOB for a bill, but it’s simply a summary. No payment is required unless you receive a bill directly from your provider.

Your EOB shows:

• What your provider charged
• What Lucent Health paid
• What you might owe (if anything)

You can use your EOB to:

• Make sure the visit was processed correctly
• Confirm your provider submitted the right information
• Catch errors or unexpected charges

Wait for an actual bill from your provider before paying anything. If you have questions, call the support team listed on your ID card and have your EOB ready.