Ear Nose and Throat (Otolaryngology) — 

A specialty focusing on the diagnosis and treatment of disorders of the ear, nose and throat.

Echocardiography — 

An ultrasound test that can evaluate the structures of the heart, as well as the direction of blood flow within it.

Electronic Transmitter Identification Number (ETIN) — 

Also known as a Federal Tax Identification Number, this number identifies a business, such as a provider’s office.

Endodontist — 

Endodontists are dentists who specialize in performing root canal therapy.

Essential Health Benefits — 

As defined by the Patient Protection and Affordable Care Act and the Secretary of the U.S. Department of Health and Human Services, the term includes: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services (including behavioral health treatment); rehabilitative and rehabilitative services and devices; lab services; preventive care and wellness services and chronic disease management; and pediatric services (including vision and oral care).

Evidence of Coverage — 

This is issued in connection with Horizon BCBSNJ's Health Maintenance Organization (HMO) coverage and basically serves the same purpose as a certificate.

Exchange Cost Sharing Subsidy — 

The share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network doctors, facilities and other health care professionals, or the cost of non-covered services. Cost sharing in Medicaid and CHIP also includes premiums.

Exchange Premium Subsidy — 

Refers to the money provided by a government entity as part of the Affordable Care Act.

Exclusions — 

As outlined in the contract, booklet, etc., services or items not covered by the particular health plan.

Explanation of Benefits (EOB) — 

A statement Horizon BCBSNJ sends a member describing how a claim was paid. It includes services provided, amount billed, payment made and any charges that are the member’s responsibility.

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