EOB Decoder
Understand your Explanation of Benefits step by step
What is an EOB?
An Explanation of Benefits (EOB) is a statement from your insurance company showing how a medical claim was processed. It's NOT a bill, but it helps you understand what insurance paid and what you may owe.
EOB Sections Guide
Analyze Your EOB
Paste your EOB text and we'll help you understand it.
Common EOB Questions
Should I pay the EOB?
No. The EOB is not a bill. Wait for the provider's bill before paying.
What if the claim was denied?
You can appeal the decision. Contact your insurer to understand why and how to appeal.
Why is the billed amount so high?
Providers bill standard rates. Your insurance negotiates lower rates (allowed amount).
How long should I keep EOBs?
Keep them at least 1 year, or longer if you have chronic conditions or pending disputes.
This is educational information only, not medical or financial advice. Always consult with healthcare professionals.