graphic symbolizing "Costs"

It looks like a bill, but it says “This is not a bill.”

An Explanation of Benefits (EOB) form is a notification from your insurance company.


Every time you go to a doctor or get other health services, your insurance company will send you an Explanation of Benefits (EOB) in the mail or by email. This is the insurance company’s way of letting you know they are processing the payment to the doctor or other service provider. It will say on it “This is not a bill” and that is true. You may get a bill later, though.



This is an example. The form your health plan uses may look different.

graphic of an example of an "explanation of benefits" form

Check to see if the information is correct. Did you actually receive a health service from this Provider (doctor, lab, urgent care center or hospital) on the Date of Service it says? If not, call your health plan. Look in the Patient Responsibility box to see whether you will owe anything for this service. If you have questions, call your health plan.