EBSI - Employer Benefits Strategies Inc.

Authorized Agent for:

BlueQuote is offered by BlueCross BlueShield of South Carolina, an Independent Licensee of the BlueCross and BlueShield Association
^SM Service Mark of the BlueCross and BlueShield Association.

On this page, we provide key resources for both employers, employees and our partners with whom we work to deliver services.

First, we provide information regarding the most common questions. These are covered in the Frequently Asked Questions (FAQ) section on this page.

In addition, we have two additional sets of resources on the site.

The first is a listing of our Alliance Partners. These are Charleston based organizations that work closely with us to deliver the highest, and most comprehensive sets of services to our clients.

The second link is a reference page containing links to a variety of sites across the Internet. These sites provide additional information, and represent "one stop shopping" for information to assist individuals in decision making.

HR Topics of Interest

Helpful Links

Alliance Partners

The following is a list of frequently asked questions and answers we hope are of help:

Q: "I’ve lost my Identification Card-how can I get a new one?"
Q: "How can I request another Certificate of Coverage book ?"
Q: "What is an EOB?"
Q: "My Explanation of Benefits has codes listed after some of the charges-what does this mean?"
Q: "I received a bill from my doctor-how do I know if what it shows I owe is correct?"
Q: "My doctor’s name isn’t in the provider directory-how can I find out if they are in-network?"

Q: "I’ve lost my Identification Card-how can I get a new one?"

A: A member can call the insurance carrier directly or may call our office for assistance in obtaining a new ID card. Some insurance carriers now have areas of their websites as well that allow you to request one online-we can also show you how to do this.

Q: "How can I request another Certificate of Coverage book ?"

A: A member can call our office anytime & we would be happy to answer any benefits questions they may have. If they would like to find coverage information online or order a benefits booklet, some insurance carriers now have these available to order or view online. Our office can assist them with where to find this information.

Q: "What is an EOB?"

A: The letters "EOB" stand for "Explanation of Benefits". This is mailed to members after a claim has been received, to show what action has been taken on their claim, & what the member owes and/or insurance company paid. These are important documents that should be retained by the member.

Q: "My Explanation of Benefits has codes listed after some of the charges-what does this mean?"

A: When an EOB has codes listed & no payment was made by the carrier, see the "Remarks Section" of the EOB to find what action was taken on the claim. There are various reason’s listed as to why payment may not have been made on the claim that would be listed there. If it is not clear or you need assistance, please contact our office.

Q: "I received a bill from my doctor-how do I know if what it shows I owe is correct?"

A: Members should match bills they receive with the insurance EOB by the date of service and amount of the claim. If the bill & EOB do not match, the member may contact our office for claims assistance.

Q: "My doctor’s name isn’t in the provider directory-how can I find out if they are in-network?"

A: The book directories are subject to change. The most accurate & current provider listings are now usually listed on an insurance carrier’s website. If you need help in locating the website or navigating, please contact our office & we can help you to work with the website or find a provider for you if you do not have Internet access.

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