Final answer:
An Explanation of Benefits (EOB) is usually included with the insurance carriers' payment to the provider. It details the medical treatments or services paid for, the payment calculations, and the patient's financial responsibility. The Authorization Letter, Claim Form, and Provider Contract are different documents with separate purposes.
Step-by-step explanation:
When the insurance carriers send payment to the provider, the document included with the check is typically the Explanation of Benefits (EOB). An EOB is a statement that the insurance company sends to covered individuals explaining what medical treatments and/or services were paid for on their behalf, detailing how the payment was calculated, and showing any deductibles, copayments, or coinsurance amounts that the patient may be responsible for. This document is important because it outlines the insurance company's processing of the claim based on the individual’s health plan benefits.
On the other hand, an Authorization Letter is generally not sent with payment but is required beforehand to approve specific services. A Claim Form is what the provider submits to request payment for services rendered, and a Provider Contract is the agreement between the provider and the insurer regarding the provision of services and payment terms, not something that would accompany a payment.
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