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Your personal cost of health care: explanation of benefits

Insurance Companies’ Explanation of Benefits (EOB)

How many of you open your mail to see an EOB from your insurance carrier, while scratching your head trying to make sense out of the document you hold in your hand? Trust me, you are not alone.

Below is a sample EOB that explains to you what certain information means in this document (click on it for an enlarged image). Now remember, each insurance company may have a little different version then the one supplied to you in this article. Fear not, if the EOB you have received is different, simply contact your insurance Customer Service number. This number is usually on the back side of your insurance card.

Sample of Explanation of Benefits form


Your personal cost of health care

Welcome to a new monthly feature of our blog, Your Personal Cost of Health Care. With monthly posts, we will take you on a trip over time to help you become familiar and knowledgeable about the processes that impact your out-of-pocket cost for the health care you receive. We will provide on-going information to help you to learn how to “read the map” in getting your health care claims paid.

Upcoming articles may include:

  • Information you will need when you are pre-registering for an upcoming appointment
  • What is a prior authorization? Continue Reading »

Disclaimer: The information found on Affinity's blog is a general educational aid. Do not rely on this information or treat it as a substitute for personal medical or health care advice, or for diagnosis or treatment. Always consult your physician or other qualified health care provider as soon as possible about any medical or health-related question and do not wait for a response from our experts before such consultation. If you have a medical emergency, seek medical attention immediately.

The Affinity Health System blog contains opinions and views created by community members. Affinity does endorse the contributions of community members. You should not assume the information posted by community members is accurate and you should never disregard or delay seeking professional medical advice because of something you have read on this site.