Difference Between EOB and Health Insurance Bill

If you’ve visited a doctor or been in the hospital, you’ve likely received an explanation of benefits (EOB). Like many in our community, you’ve probably been left wondering, “What is an EOB statement? Why did my insurance company send it to me? Is this a bill?”

An EOB is not a bill, but it’s still important to know what it is, and how it differs from a bill. Below are examples of an EOB and a health insurance bill and the differences.

EOB vs. Health Insurance Bill

What is an EOB?

An explanation of benefits (EOB) form explains which medical services were paid for by the insurance company.

What is a health insurance bill?

A health insurance bill shows what services were used and the total amount the insured individual needs to pay.

The key difference between an EOB and a health insurance bill is that an EOB form breaks down how much or what part of the service(s) are covered by insurance and what parts are not. A bill, on the other hand, shows how much each service costs, the overall amount, and what you still owe.

Example of EOB

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Example of Health Insurance Bill

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