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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.
The EOB is the result of the claims process. To better understand your EOB, let's look at the steps in the claims process. If your provider is part of a provider network, and you have an insurance plan using this network, the provider usually sends your bill to the network to have the network discount calculated.