What Is an Explanation of Benefits (EOB)?

An Explanation of Benefits (EOB) is a statement from your health insurance provider that explains how a medical claim was processed. It details what services were billed, what your insurance covered, and what you may still owe—but it is not a bill.

What information does an EOB include?

• Services provided: Lists medical treatments, procedures, or visits submitted to insurance.
• Amounts billed and covered: Shows the total cost, what insurance paid, and any remaining balance.
• Your responsibility: Details deductibles, copayments, and coinsurance owed to the provider.

Why is reviewing your EOB important?

• Helps catch billing errors before making a payment.
• Ensures that insurance paid correctly according to your policy.
• Identifies denied claims, which may be eligible for an appeal.

How Solace can help

A Solace advocate can help you review your EOB, explain confusing charges, and determine if an appeal or correction is needed. If you're facing unexpected costs, an advocate can work with providers and insurers to negotiate bills, resolve billing errors, and explore payment options. If needed, they can also help you craft a strong appeal.

What to do next

Have questions about your EOB or need help with a denied claim? Find a Solace advocate today.