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What is a health insurance explanation of benefits (EOB)?

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This isn’t a request for payment from you. You do not have to make any payment when you receive an EOB. Your insurer sends it to you when your doctor, hospital, or other providers ask for payment. Some HMOs don’t issue an EOB because they pay their providers a fixed monthly fee for your care, instead of payment for specific services. You can check the EOB for any billing errors.

From: Your Guide to Health Insurance Paperwork WebMD Medical Reference

SOURCES:

AARP: "What You Can Learn From Your Explanation of Benefits Statement."

American Academy of Family Physicians: "Understanding Your Medical Bills."

American Cancer Society: "Health Insurance and Financial Assistance for the Cancer Patient."

FamilyDoctor.org: “Understanding Your Medical Bills.”

American Cancer Society: “Covering the costs of cancer treatment.”

Reviewed by Sarah Goodell on September 18, 2018

SOURCES:

AARP: "What You Can Learn From Your Explanation of Benefits Statement."

American Academy of Family Physicians: "Understanding Your Medical Bills."

American Cancer Society: "Health Insurance and Financial Assistance for the Cancer Patient."

FamilyDoctor.org: “Understanding Your Medical Bills.”

American Cancer Society: “Covering the costs of cancer treatment.”

Reviewed by Sarah Goodell on September 18, 2018

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What information is on an insurance explanation of benefits (EOB)?

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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