Should I pay my EOB?

Should you pay your EOB? The Explanation of Benefits is not a bill. So, no, you shouldn't pay anything yet. It's a report of what your insurance plan is going to cover, based on the care you received, and your health plan benefits for that care.

What's the difference between a healthcare provider's Bill and EOB?

Typically, the amount your healthcare provider charges for her services, as seen on her bill and on the EOB, and the amount your payer reimburses for that service, as seen on the EOB only, are two different things. The reimbursement is usually less than the healthcare provider's charge. You can use the EOB to compare those two amounts.

What should I do if I need help with my EOB?

If you still need help, you should then call Member Services at your insurance company for an explanation. How long should you keep your EOB? You should always save your Explanation of Benefits until you get the final bill from your doctor or health care provider.