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Main menu. Understanding an EOB and Your Bill. An Explanation of Benefits (EOB) is the document that health insurance companies send to communicate their decisions to members regarding payment for services. Every insurance company EOB is different, and many of them are difficult to understand.
Reading your Explanation of Benefits (EOB) After you visit your provider, you may receive an Explanations of Benefits (EOB) from your insurer. This is an overview of the total charges for your visit and how much you and your health plan will have to pay. An EOB is NOT A BILL and helps to make sure that only you and your family are using your coverage. You may get a bill separately from the provider. Pay your bills and keep any paperwork. Some providers will not see you if you have unpaid medical bills. You may be able to go online to look up your own health information, such as screening