Help with your bill
How to read an EOB
An Explanation of Benefits (EOB) is your health plan’s summary of how it processed a claim. It often looks like a bill—and usually is not one. Here’s what to scan first, then photo yours for a full plain-English decode.
What to check first
Start with identity and accuracy, then money.
- Date of service and provider—did you receive that care?
- Amount billed vs allowed amount
- What the plan paid
- Patient responsibility (what they think you may owe)
- Any denial or “not covered” lines
Common mix-up
People sometimes pay an EOB or ignore a real provider bill. Compare any later bill to the EOB’s patient-responsibility figure before you pay.
FAQ
- Is an EOB a bill?
- Usually no. An EOB explains claim processing. A provider bill asks you to pay.
Photo your bill or EOB
Free one-line preview, then unlock the full understand + respond pack: plain English, next steps, and calm call/email scripts. Educational only—not legal, medical, or financial advice.
Photo every page of your bill or EOB
Multi-page EOBs are normal — add all pages (up to 10). Photos work best; PDFs with text are supported too.