What is an Explanation of Benefits (EOB)?

This is the paperwork that comes in the mail in response to every claim filed by you or by your child’s provider. EOBs contain the information you will need to be on equal footing with your health plan. Some of the envelopes you receive may contain checks, but even without a check attached, every envelope contains valuable information.

EOBs are generated in two ways:

• When a network claim is billed by the provider
• When an out-of-network claim is submitted by you or by your out-of-network provider

To learn more about interpreting an EOB, check out our article Explanation of Benefits 101.