An Explanation of Benefits can look intimidating, but it’s simply a record of how your insurer processed a claim — it is not a bill.
Key sections to check
Look at the billed amount, the allowed amount, what insurance paid, and your remaining responsibility. Discrepancies here are worth a call to your provider’s billing office.
Common causes of confusion
Denied or partially covered claims often come down to coding issues or missing prior authorization, not necessarily an error in your care.
Keep your EOBs on file — they’re useful if a billing dispute comes up later.
