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Kareo Help Center

Posting a $0.00 Insurance Payment

Sometimes a payer will send an EOB where the check amount is $0.00.  If the patient(s) listed on the EOB have a secondary insurance and the claims can be submitted electronically to the secondary payer, you must post the $0.00 payment.  See the example below:


Insurance Company:  Select Health

Explanation of Payment Statement Date:  01/25/2012

Reference ID:  20120125123456789

Check Number:  0

Amount:  $0.00


Patient Name:  John Doe

Patient Account #:  1z100

Date of Service:  01/13/2012


Procedure Code:  99213

Billed Amount:  66.00

Allowed Amount:  49.83

Plan Paid:  $0.00

Deductible:  49.83

Follow the steps below to post a $0.00 payment due to deductible: 

  1. Click Encounters > Receive a Payment.
  2. On the General tab, click the Insurance button and select the primary insurance company name (Example:  Select Health).
  3. Click into the Adjudication field and enter in the “processing date” of the EOB (Example:  Statement Date of 01/25/2012).
  4. In the Reference ID field, enter in the check number or the reference ID number (Example:  Reference ID 20120123456789).
  5. Leave the Amount field as $0.00.
  6. Click Apply Now or the Apply tab.
  7. Enter in the patient’s name next to the “Add Encounter” field and press Enter on your keyboard (Example:  John Doe).
  8. Select the patient if the patient name does not automatically fill in.
  9. Highlight the date of service and the procedure code (Encounter ID # 1 with date of service of 01/13/2012).
  10. In the Allowed field, enter in the Allowed amount as noted on the EOB by the primary insurance company (Example:  Allowed Amount = 49.83).
  11. Tab until the cursor is in the Deductible field; enter in the Deductible amount (Example:  Deductible = 49.83).
  12. On the right, the last transaction noted should be “Transferred to secondary insurance”.
  13. If the last transaction noted displays anything else, then change the Status to “Bill payer 2”.
  14. Click Save.
  15. Submit the claim electronically to the secondary insurance company.
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