Explanation of Benefits (EOB)

Your Explanation of Benefits (EOB) is not a bill. Rather, it is a statement from your insurance company that shows you how much your provider charged for services and how much your insurance company paid for those services. The EOB will include explanations for denied charges, and it will show “your responsibility,” which is the balance of charged services minus the amount paid or denied. It’s up to your provider to then bill you for any balance. The bill could be less than what’s shown on the EOB, but it can never be more. If there is any question or discrepancy, call your insurance company’s member services department as soon as possible.